FICO VS VantageScore

In the United States, two companies dominate the credit scoring industry. FICO®, the oldest and the industry leader, and VantageScore®, the score used by Credit Karma which has been growing in popularity since it was created in 2006.


In the transportation industry, FICO® scores are the main scores used by all the top lenders. Base FICO® scores range from 300 to 850, and the main factors that impact a score can be separated into five categories:

The finance software that we use here at Pedigree uses your FICO® scores, allowing us to best predict what lenders to use.

While this software offers many benefits, sometimes the FICO® scores that are reflected on our software differ from what a customer is expecting creating confusion and frustration. This confusion and frustration is normally due the difference between a FICO® score and a VantageScore®.


VantageScore® is like FICO® in many ways but there are some key differences. What qualifies as a good score for VantageScore® and FICO® varies. On the 300-to-850 scale, a score of at least 670 (for FICO®) and 700 (for VantageScore®) will generally qualify as having good credit. The variations in scoring are a result from differences in calculations of:

Because of these differences, a customer monitoring their credit scores on Credit Karma may think they have a better FICO® score than they do. With lenders often looking to see a FICO score above 670, and at times even above 700, the differences between the two scores can mean the difference in getting approved and getting declined, or a difference in thousands of dollars in interest over the length of a loan.

Improving Your Credit Score

fico vs vantagescore

The good news is that the same behavior can help both your scores! While there are differences between each companies’ credit scoring models, both the scoring models try to predict the same thing using the same information.

As a result, if you focus on building a good credit history, you can improve all your scores. One way to improve your scores is to monitor both your credit scores regularly. 

If you are currently using Credit Karma, we recommend using Experian’s free credit monitoring service to access to your FICO® Score, credit report, and other information that can help you better understand how credit scores work.

Financing at Pedigree Truck & Trailer Sales

finance a semi truck

Using our innovative financing software, Pedigree uses soft credit pulls, that do not affect the credit scores of our customers, to pre-qualify buyers looking for financing. 

Using this technology allows us to give our customers an estimate of their potential financing terms, allowing them to know what to expect to pay without affecting their credit score and hurting their chances of getting financing in the future.

Click below to apply now and start your journey toward financing your next semi truck or used reefer trailer!

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