Dear Liz: Experian gave me a 977 on its VantageScore. How does that relate to the FICO score, and how can I get Experian’s FICO score?
Answer: The VantageScore system is on a scale of 501 to 990, which means you rank close to the top. The FICO scoring system ranges from 300 to 850, but there is no way for you to know how your Experian VantageScore relates to your Experian FICO score.
That’s because Experian decided Feb. 14 to stop selling its FICO scores to consumers. Experian still sells FICOs to lenders — just not to you.
This decision has caused a stir among consumer advocates. FICO is the leading credit scoring formula used by lenders, and not being able to see one of your three FICO scores puts you at a distinct disadvantage when you’re shopping for a mortgage or other major loan.
You can still get your FICO scores from the other two bureaus, Equifax and TransUnion, and MyFico.com. That will give you some idea of how you might fare with lenders, few of which use the rival Vantage- Score system.