VantageScore is a credit scoring model created by the three major credit bureaus as an alternative to FICO Score. While less widely used by lenders than FICO, VantageScore has gained significant traction in consumer credit monitoring and lending decisions. Understanding how VantageScore calculates your creditworthiness, how it differs from FICO, and where it's actually used helps you make informed decisions about monitoring and improving your credit.

Credit scores affect nearly every financial decision you make, from mortgage rates to job opportunities. Understanding how FICO and VantageScore calculate your creditworthiness empowers you to take control of your financial future. Learn the key differences between scoring models and actionable strategies to improve your credit profile.