Fico or Credit know the difference

1. The Equifax Credit Score uses a numerical range of 280 to 850, where higher scores indicate lower credit risk. The FICO Score uses a numerical range of 300 to 850, where higher scores also indicate lower credit risk.
2. Aug 09, 2019 · Industry-specific FICO® scores — including FICO® Auto Score 8 and FICO® Bankcard Score 8 — have a broader range of 250 to 900. These scores are tailored to specific types of credit. There are several ways to get free access to your FICO® scores, including from various credit …
   
   Information from the Motley Crew
   How FICO calculates your credit scoreFICO offers fairly explicit details on how its scoring model calculates your credit score. It uses five main factors with the following weights:
3. 35% payment history. If you've always paid your bills on time, you'll be one-third of the way to a perfect score. The more severe, recent, and frequent you've had any late payments, the greater the impact on your FICO Score.
4. 30% credit utilization. FICO Score 8 considers the total of how much you owe across all of your accounts, but more importantly, it factors in what percentage of your available credit you use.
5. 15% length of credit history. This includes the age of your oldest account, the average age of all of your accounts, and the age of specific types of accounts (credit, auto loan, etc.).
6. 10% new credit. This factor considers the number of new accounts, how long it's been since you opened a new account, and recent hard inquiries on your report.
7. 10% credit mix. Having a variety of different types of credit accounts will improve your score.

How VantageScore calculates your credit scoreVantageScore isn't nearly as specific as FICO when it comes to how it determines your credit score using its scoring model. It provides a rough outline of factors it considers important and those it considers less important.

• Extremely influential -- payment history. Just like FICO Score, VantageScore puts payment history at the top of the list. It won't say how much it weighs it in factoring your overall score, though.
• Highly influential -- age & type of credit, credit utilization. It's unclear if VantageScore weighs credit mix or credit length more or less than FICO because it lumps both of them into one category it deems "highly influential." Credit utilization is weighed heavily in both the VantageScore and FICO Score models.
• Moderately influential -- total balances. VantageScore separates out total balances from the credit utilization factor, but it's only moderately influential. That seems similar to how FICO factors in credit utilization, putting a larger emphasis on lower utilization than it does on lower total balances.
• Less influential -- available credit, recent credit behavior & inquiries. VantageScore may benefit consumers with less available overall credit, suggesting you only open credit you need. Similar to FICO Score, VantageScore likes to see fewer hard inquiries on your report.

There are a lot of companies online that you can supposedly get a free credit report from, now remember, if it's free you get what you pay for. If you ran one with each one of these they will all be different, this should not hurt your credit because your running it yourself, if you don't believe me run them here is a list.
1.USA Gov.com
2. CreditKarma.com
3. Credit.com
4. gofreecreditreport.com
5. annualcreditreport.com
6. myfico.com
7. creditreport.com
8. wallethub.com  
9. creditchecttotal.com
10. buildmyscore.com
11. myiqreport.com
12. credit sesame.com
13. mybankrate.com
​and many many more..
Looking to get a real report just sign up for either TransUnion or Experian

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