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UNDERSTAND YOUR SCORE

How the scores range

To interpret your VantageScore credit score, it helps to put it in the context of the range of possible scores. That range will vary, depending on which version of our credit scoring model was used to generate your score.

Regardless of the model’s score range, higher scores indicate to lenders that you’re a less risky borrower, while lower scores indicate that you’re an increased risk.

The conversion chart below provides the relationship between the two VantageScore model scales. Just keep in mind that this chart is relevant only to the credit scores generated by the VantageScore model, so they won’t accurately explain credit scores generated by other models.

Use the range below to find your VantageScore 2.0 credit score from the 501–990 scale The equivalent VantageScore 3.0 score on the 300–850 scale appears below
501–570 300–508
571–590 509–527
591–610 528–545
611–630 546–563
631–650 564–581
651–670 582–599
671–690 600–617
691–710 618–635
711–730 636–654
731–750 655–672
751–770 673–690
771–790 691–708
791–810 709–726
811–830 727–744
831–850 745–762
851–870 763–780
871–890 781–799
891–910 799–817
911–930 818–835
931–990 835–850

Why the VantageScore model was updated

For credit scores to remain as accurate and predictive as possible, the models used to generate them need to be rebuilt periodically. This updating helps to ensure that credit scores will continue to accurately reflect any changes in the economy as well as borrowers’ behaviors. In turn, this means your credit score will be a more accurate picture of your credit behaviors. This helps to ensure that you are offered the right types and amounts of credit. There are three VantageScore models. The most recently introduced is the VantageScore 3.0 model.

 

Take charge of your credit

What your credit score is isn’t nearly as important as how you manage your credit.

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