Payment History: FICO vs. VantageScore
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Money Fact or Hack
Both Vantage and FICO count your payment history in your credit score. The difference:
- FICO: your payment history is 35% of your score
- Vantage: your payment history makes up 40% of your credit score
What else you should know
Because VantageScore and FICO weigh your payment history differently, the same information on your report can equal a different credit score depending on if it is scored by FICO or VantageScore.