I was running a slid 860 on Vantage and this converted to a 697 on FICO.Do not waste your money on Vantage or PLUS credit scores. They are worthless numbers that are not used by the finance industry. They are actually "make you feel good" scores to keep the suckers on the line. Only pay for one FICO score. Trans Union's is usually the lowest so I would go with them.