Fun fact: FICO scores are the most used credit scoring model on planet earth. FICO scores, which are the credit score most commonly used by lenders (90 percent of them, in fact), are far better at predicting who’s likely to get behind on loan payments. Unlike Vantage scores, FICO scores draw from credit information provided by the three major credit bureaus for a broader and more accurate view of a consumer's credit history. For an honest measure of your credit risk, stick with a FICO score.