A credit scoring model created jointly by the three major credit bureaus as an alternative to FICO.
VantageScore also ranges from 300 to 850 but weighs factors somewhat differently than FICO, and can generate a score with a shorter credit history than FICO typically requires. Many free credit monitoring apps display VantageScore rather than FICO, which is why the number you see in a free app may differ from what a lender pulls when you apply for credit.
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