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VantageScore and FICO credit-scoring models

The Fair Isaac Corporation introduced the first FICO scoring model to lenders in 1989. FICO scores are used today by 90% of top lenders to make lending decisions. The VantageScore model wasn’t introduced until 2006 and is used by very few lenders.


If you are seeking funding, do not be fooled by your high Vantage credit score.  You MUST look at your FICO score to get an accurate picture of how lenders will look at you.


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