Credit Score Range – Fico Score Range
Different credit scores have different ranges and scales. Each credit score range is further divided into different risk categories. Here is a summary of the most common credit score ranges, followed by a graphic illustration of credit score scale.The most commonly used credit score is Fico, by Fair Isaac. It is used by more than 90% of creditors and lenders, and dominates the market.
Fico scores have many versions. Each of the 3 major credit bureaus (Equifax, Experian & TransUnion) has its own version of Fico called TransRisk, Emperica, Beacon, Pinnacle, Score Power, TransRisk, Fico I, Fico II, & Precision.
In addition, all of the three major credit bureaus distribute their new Vantage Score. While most of the Fico-Based scores have a similar credit score range (with small variations), the Vantage score runs on a completely different credit score scale.
Fico Score Range versus Vantage Score Range
| Credit Score Name | Range | Used by | Remarks |
| Fico | 300-850 | myFico.com | All Fico Versions – Classic, NextGen, Fico8, Fico Expansion |
| Vantage Score | 501-990 | Equifax, Experian & TransUnion | |
| Beacon Score | 350-850 | Equifax | Equifax’s version of Classic Fico |
| Pinnacle Score | 350-850 | Equifax | Equifax’s version of NextGen Fico (the new Fico version) |
| Score Power (Fico I or Fico II) | 300-850 | Experian | Experian’s version of Classic Fico |
| Fico Advanced Credit Score | 300-850 | Experian | Experian’s version of NextGen Fico (the new Fico version) |
| Empirica/TransRisk | 300-850 | TransUnion | TransUnion’s version of Classic Fico |
| Precision | 300-850 | TransUnion, Credit Karma | TransUnion’s version of NextGen Fico (the new Fico version) |
| CE Score | 350-850 | Community Empower, Quizzle | Published by CE Analytics |
| Credit Karma Score | 300-850 | Credit Karma | Uses Precision Score, Based on your credit report from TransUnion |
| Quizzle Score | 350-850 | Quizzle | Uses CE Score, Based on your credit report from Experian |
| Credit Sesame Score | 360-840 | Credit Sesame | Uses Experian’s National Equivalency Score, Based on your credit report from Experian |
Fico Score Range
Fico is the most common credit score. More than 90% of lenders use Fico for making their lending decisions and determining loan terms. Fico comes in 3 basic versions:
- “Standard” – the only version available to consumers.
- “Auto Enhanced” – used by car dealers.
- “Factual” – used by mortgage brokers.
All three versions run on a 300-850 scale, which is divided to the following categories:
| Fico Score | Risk Category |
|---|---|
| 700 – 850 | Excellent |
| 680 – 699 | Good |
| 620 – 679 | Average |
| 580 – 619 | Low |
| 500 – 579 | Poor |
| 300 – 499 | Bad |
Vantage Score Range
Vantage Credit Score is a new score by the 3 major credit bureaus – Equifax, Experian and TransUnion. Although the credit bureaus insist on selling it to consumers, lenders rarely use it.
The Vantage Score ranges from 500-990, and is further divided to the following categories:
| Vantage Score | Grade | Risk Category |
|---|---|---|
| 901 – 990 | A | Super Prime |
| 801 – 900 | B | Prime Plus |
| 701 – 800 | C | Prime |
| 601 – 700 | D | Non-Prime |
| 501 – 600 | F | High Risk |
Beacon Score Range
Beacon is Equifax’s version of Classic Fico. However, it has a slightly different scale, from 350 – 850.
Pinnacle Score Range
Pinnacle is Equifax’s version of the new NextGen Fico (Fico 8). It runs on the same scale as the Beacon score, from 350 – 850.
Score Power (Fico I or Fico II) Range
Score power is Experian’s version of Classic Fico. It runs on the same scale as Fico, from 300 – 850.
Fico Advanced Credit Score Range
Fico Advanced Credit Score is Experian’s version of the new NextGen Fico (Fico 8). It runs on the same scale as Fico, from 300 – 850.
Empirica (TransRisk) Score Range
Empirica is TransUnion’s version of Classic Fico. It runs on the same scale as Fico, from 300 – 850.
Precision Score Range
Precision is TransUnion’s version of the new NextGen Fico (Fico 8). It runs on the same scale as Fico, from 300 – 850.
Credit Karma Score Range
Credit Karma provides its customers with the Empirica/TransRisk score from TransUnion. It is based on your credit report from TransUnion, and runs on the same scale as Fico, from 300 – 850.
Quizzle Score Range
Quizzle provides its customers with the CE score, developed by CE Analytics. It is based on your credit report from Experian, and runs on a slightly different scale, from 350 – 850.
Credit Sesame Score Range
Credit Sesame provides its customers with the Experian’s National Equivalency Score. It is based on your credit report from Experian, and runs on a scale from 360 – 840.
For more information see What Are Good Credit Scores and Average Fico Score.
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