06/03/2026
VantageScore® can generate a score with as little as 1 month of credit history. Your on-time rent, utility and even phone bill payments could help build your score. FICO requires at least 6 months of credit history and an active account reporting in the last 6 months. VantageScore® places slightly more emphasis on overall payment history, while FICO weighs your credit utilization (how much credit you use versus your limit) heavier.
The great news is that you can qualify for a mortgage with Legacy Mortgage Group with either a FICO or VantageScore® for most loan types. This could be a big benefit for you if your VantageScore® is higher than your FICO score.
Give us a call to find out more!
Legacy Mortgage Group, LLC
208-525-3323
NMLS #41283
Equal Housing Lender