www.vmf.com/fico – Free Fico Score


  • Vanderbilt Mortgage and Finance customers can view their FICO score for free
  • By providing free access to their FICO score, Vanderbilt helps customers maintain good credit
  • Vanderbilt Financial obtains FICO scores by using TransUnion, which is one of the largest credit reporting agencies.

If customers feel that their FICO score and “Key Credit Factors” provided to Vanderbilt by TransUnion are inaccurate, they can request a free copy of their own credit report by visiting the Annual Credit Report web site. If a customer finds inaccuracies from this report to the one provided, they can contact TransUnion for additional help.

A FICO score that is over 800 is considered to be among the best in the United States, with less than 20% of consumers having this rank. Borrowers with a FICO score this high show no issued for lenders. A FICO score that is above 740 to 800 is still considered very good, and shows a dependable borrower. A FICO score that is in the range of 670 to 740 is considered to be average in the US, is still a good borrower. A 580 to 670 FICO score is among the lowest 40%, but some lenders will still approve credit. If a FICO score is under 580, the borrowers is considered to be a very high risk. A FICO score will not be available is a Vanderbilt customer has recently opened a new account, if they are an authorized user on an account (not the primary account holder), and if the Vanderbilt billing statement is not in their name.
The FICO credit score is one of the primary factors in determining terms on a Vanderbilt Mortgage. Almost all lenders use FICO scores, but each one has different criteria. Some may lend to FICO scores above 720, while some will lend to 680.

To contact Vanderbilt Mortgage and Finance:

  • 1-800-970-7250
  • Attn: Customer Service, Vanderbilt Mortgage and Finance, Inc., PO Box 9800, Maryville, TN 37802


  1. www.vmf.com/fico