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Credit Scores

The VantageScore 3.0 credit scoring model was collaboratively developed by Equifax, Experian, and TransUnion to make information more uniform between the three major credit reporting bureaus.

Some financial institutions use the other scoring model (FICO), and each model might weigh some of the 200 factors differently. No matter which scoring model is used, credit ratings fall in these specific ranges:

  • Excellent: 781-850
  • Good: 661-780
  • Fair: 601-660
  • Unfavorable: 501-600
  • Bad: 500 or below

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