VantageScore models compete with the credit scoring models produced by Fair Isaac Corp. FICO. The generic or classic FICO credit score ranges between 300 and 850. Only borrowers with FICO score of 660 or higher can be approved for loans. The FICO bankcard score and FICO auto score are between 250 and 900. The FICO 95 credit score released in 1995 is no longer in use. The norm qualifying FICO score is not a static number. FICO NextGen score is between 150 and 950. FICO score XD 2 are between 300 and 850. The complete way in which a consumer's FICO score is calculated is complex. Rating agencies did, and FICO scores ignored and personal or household income. There are other special factors that can weigh on the FICO score. The FICO Score XD uses alternative data and was released in 2016. Other types of FICO scores cannot be obtained by individuals, only by lenders. The most common was created by FICO and is called FICO score. Some banks have reduced their reliance on FICO scoring.