Which credit scoring model does IdentityIQ use, FICO or VantageScore?

IdentityIQ utilizes the VantageScore credit scoring model, which is a competitor to the commonly known FICO score. VantageScore was created through a collaboration between the three major credit bureaus: Equifax, Experian, and TransUnion, aiming to be a more consumer-friendly version of credit scoring. Although both scoring models consider similar factors such as payment history, debt usage, age of credit accounts, and types of credit, they weigh these factors differently. As a result, consumers might notice some differences between their VantageScore provided by IdentityIQ and their FICO scores from other services. It's important for users to recognize which model is being used when they are monitoring their credit score to fully understand how their financial behavior affects their credit standing.