Hello Again Helen,

I am a little confused. The vantage score should be higher? It is on a scale with a max score of 990 instead of a top score of 850 for FICO? It utilizes a completely different set of criteria, so maybe that explains it.

The exact details of the formulas are as top secret as the KFC's Orginal Recipe, but here is an overview.

Vantage score
Payment history 32%
Utilization 23%
Balances 15%
Depth of credit 13%
Recent credit 10%
Available credit 7%
Total 100%


FICO score
Payment history 35%
Length of credit history 15%
Amounts owed 30%
Types of credit uses 10%
New credit 10%

Total 100%

Happy Hunting,
Chris