The average U.S. FICO® Score is 715, according to credit monitoring bureau Experian, where it's remained since 2023. FICO is the data analytics firm whose scoring models are used in 90% of lending ...

While the two credit scoring models use similar factors and follow similar scales, it's a good idea to understand the difference between VantageScore and FICO scores. Your FICO score is based on ...

FICO is the most widely used credit scoring model, developed by the Fair Isaac Corporation in 1989. The higher your FICO score is, on a scale of 300-850, the more trustworthy you are as a borrower.