fico vs vantage?

Question

my fico is 652 and vantage is 657 ! how can this be when one is btw 350-850 and the other 500-990? There should be at least a 100 point difference. And yes, they were both updated the same day.

Answer 1

The parameters used to calculate each differ and they don't have to linear. You are just assuming too much about variables you know nothing about.
If you check your fico for each of the three credit reporting agencies, they can often differ by 30 points even with the same end-points.