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🎓 FICO vs. VantageScore — Know the Difference Not all credit scores are created equal, and this is where a lot of people get confused. Here’s the simple breakdown ⬇️ FICO Score ✔️ The most widely used credit scoring model ✔️ Used by most lenders, banks, and mortgage companies ✔️ Requires about 6 months of credit history ✔️ Heavily weighs payment history and credit utilization 👉 This is the score lenders usually look at when making real approval decisions. VantageScore ✔️ Commonly shown on free
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