There are several different credit scoring models used today. Each credit bureau uses a different model and each model can generate a different score. The FICO score is used extensively in the mortgage industry. FICO scores usually fall between a low of 350 and a high of 850. Generally, the higher the FICO score, the less risk there is for a lender, and the more creditworthy a consumer is considered to be. Credit Score ConsistencyThe Vantage score, developed jointly by the three national credit-reporting companies, has created a consistent way for the three agencies to provide credit scores. The Vantage score customarily ranges from 501 to 990 and includes a rating system similar to the academic grading system. Similar to the FICO score, generally, the higher the score, the more creditworthy a consumer is considered to be.