Скачать или смотреть FICO vs. VantageScore: One Gets You Approved, One Gets You Rejected

Why do you have 3 different credit scores? Here's what lenders actually use.
You check Credit Karma: 720. You apply for a car loan: 680. Your bank app shows 705. What's going on? The truth is, there are two main credit scoring systems — FICO and VantageScore — and they calculate your score differently. Most people have no idea which one lenders actually use, and it causes major confusion (and disappointment) when applying for credit.
In this video, I'm breaking down:
✅ What FICO is (and why 90% of lenders use it)
✅ What VantageScore is (and why free apps show it)
✅ Why these scores show different numbers for the same person
✅ Which score mortgage, auto, and credit card lenders actually use
✅ How to check your real FICO score (some methods are free)
✅ Which score you should focus on improving
This is financial literacy that prevents nasty surprises. Understanding the difference between FICO and VantageScore is essential personal finance management. When you're applying for a mortgage, auto loan, or credit card, you need to know which credit score the lender will actually see — not just what your free app shows you.
Most free credit monitoring apps (like Credit Karma) show VantageScore, not FICO. But about 90% of lenders use FICO scores to make lending decisions. This gap in knowledge costs people approvals and better interest rates every single day.
This video covers:

FICO vs VantageScore: key differences explained
Why your credit scores are different across apps
Which lenders use FICO vs VantageScore
How to find your real FICO score for free
Credit score monitoring strategies that actually work
How to improve the score that matters most

This video is perfect if you're interested in:

Credit score education and credit monitoring
Personal finance and money management
Financial literacy and financial planning
Understanding FICO score vs VantageScore
Credit building and credit improvement
Preparing for mortgage, auto loan, or credit card applications
Debt management and budgeting for beginners

Stop checking the wrong score. Start focusing on what lenders actually see.

⚠️ DISCLAIMER (Optimized - Under 1,000 Characters)
Educational Content Disclaimer:
This content is for educational and informational purposes only. It does not constitute financial advice, credit counseling, or professional financial guidance.
The information about FICO and VantageScore is based on general industry practices as of the recording date. Lender practices vary, and some lenders may use different scoring models or versions. Always verify which credit score a specific lender uses before applying.
FICO and VantageScore are registered trademarks of their respective companies. This video is not sponsored by or affiliated with FICO, VantageScore, any credit bureau, credit monitoring service, bank, or financial institution.
Credit score ranges, percentages (such as "90% of lenders use FICO"), and examples are for educational purposes and may not reflect your specific situation. Free credit score access varies by financial institution and may require account membership.
For personalized credit advice or specific lending questions, consult with a certified credit counselor or qualified financial advisor.
Liberty Money assumes no responsibility for financial decisions made based on this video. By watching, you acknowledge this is educational content, not professional financial or legal advice.