Score Models

List of Scoring Models

Explore our list of scoring models, including FICO and VantageScore, used to assess creditworthiness for individuals and businesses.

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Vantage Scores

Inclusive and Accurate Credit Scoring

VantageScore is a credit scoring model by Equifax, Experian, and TransUnion. We offer VantageScore 3.0, which scores more consumers, including those with limited history. VantageScore 4.0 excludes paid collections for more precise and inclusive scoring.

Fico Scores

Comprehensive Credit Risk Evaluation

FICO Score models are widely used credit scoring systems evaluating creditworthiness based on factors like payment history and credit utilization. We offer FICO Score 2, 5, 9, 10 and more for consumer credit, and FICO SBSS for business credit, providing tailored risk assessments for diverse lending needs.

Differences

FICO vs VantageScore

FICO scores are based on credit data from a single credit bureau: Experian, Equifax, or TransUnion; VantageScore combines information from all three bureaus. FICO requires a credit account with a history of at least six months and activity on any credit account during the last six months. A VantageScore may be created for a credit report with at least one credit account, regardless of the history.

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