What model is used to calculate my credit score (FICO, VantageScore, etc.)?

Your credit score displayed in our app is calculated using the FICO Score 8 model, based on data from Experian.

FICO is the most commonly used credit score model by lenders when evaluating credit applications. Specifically, FICO Score 8 represents an updated version of the classic FICO algorithm and ranges from 300-850.

While there are other credit scoring models like VantageScore, FICO has remained the industry standard for assessing consumer credit risk. By showing your FICO 8 score from Experian, our goal is to provide you with an accurate picture of the score lenders are most likely to use.