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Moderator
Posts: 17,419
Registered: ‎07-14-2009
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Re: Credit Cards and Lenders who use The Vantage Score ?


Bluerain wrote:

Sorry to hear about your denial Smiley Sad Maybe they pull Vantage if all of the 3 CRA's are frozen? 


Hmmmmmmm Smiley Wink

 

Anyone willing to test this ?

 

 

Oh Yeah !

 


If all three CRA's are frozen then no score of any kind could be generated.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Contributor
Posts: 472
Registered: ‎10-22-2011
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Re: Credit Cards and Lenders who use The Vantage Score ?


MarineVietVet wrote:

Bluerain wrote:

Sorry to hear about your denial Smiley Sad Maybe they pull Vantage if all of the 3 CRA's are frozen? 


Hmmmmmmm Smiley Wink

 

Anyone willing to test this ?

 

 

Oh Yeah !

 


If all three CRA's are frozen then no score of any kind could be generated.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


Doh !

Established Contributor
Posts: 614
Registered: ‎10-23-2011
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Re: Credit Cards and Lenders who use The Vantage Score ?


Bluerain wrote:

MarineVietVet wrote:

Bluerain wrote:

Sorry to hear about your denial Smiley Sad Maybe they pull Vantage if all of the 3 CRA's are frozen? 


Hmmmmmmm Smiley Wink

 

Anyone willing to test this ?

 

 

Oh Yeah !

 


If all three CRA's are frozen then no score of any kind could be generated.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


Doh !


Haha that didn't cross my mind! Smiley Very Happy


Starting Score: EQ 686 10/18/11, TU 689 10/25/11, EX 685 10/11 (Amex Pull)....these are all FICO scores
Current Score: EQ 702 10/24/11, TU 689, EX 685
Goal Score: 750+

Score Update: EQ: 743 (02/03/12) TU: 741 (Walmart 01/11/12), now 761 as of 01/27/12 (Walmart), EX: 741 (Amex 01/04/12)
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Regular Contributor
Posts: 140
Registered: ‎09-09-2011
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Re: Credit Cards and Lenders who use The Vantage Score ?

American Express uses Vantage.

!!!! I'm on gardening mode !!!!

EQ FICO 779; TU FICO 783; EX FAKO 821
In my wallet: USAA AMEX, USAA World MasterCard,Service Credit Union Platinum Visa, Chase MasterCard, Chase Sapphire Preferred, Discover More Card, American Express Gold, American Express Platinum, Chase Continental One Pass


Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
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Re: Credit Cards and Lenders who use The Vantage Score ?

Where did you get that information?

 

Almost all information available says otherwise.

Contributor
Posts: 472
Registered: ‎10-22-2011
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Re: Credit Cards and Lenders who use The Vantage Score ?

[ Edited ]

HoahCredit wrote:

American Express uses Vantage.


I have a 711 vantage score and amex denied me..I doubt they use it unless my baddies scared them away...they actually pulled EX.

Established Contributor
Posts: 982
Registered: ‎05-27-2009
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Re: Credit Cards and Lenders who use The Vantage Score ?


HoahCredit wrote:

American Express uses Vantage.


American Express does not use Vantage score. They have their own internal scoring system, that is based on your Experian report.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


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Contributor
Posts: 78
Registered: ‎05-26-2011
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Re: Credit Cards and Lenders who use The Vantage Score ?

Is the Vantage score the same as the FAKO score?  I believe we see our Vantage scores when (if) we log into that other credit related site called something like www (dot) notquitetruecredit (dot) com, is that correct?  I see all three CRA scores (FAKO or Vantage or whatever the heck they are) reporting... mine, fwiw, are currently TU 817 / EX 832 / EQ 772.

Regular Contributor
Posts: 140
Registered: ‎09-09-2011
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Re: Credit Cards and Lenders who use The Vantage Score ?

I was given the wrong info then... Thank you for clarifying that.

!!!! I'm on gardening mode !!!!

EQ FICO 779; TU FICO 783; EX FAKO 821
In my wallet: USAA AMEX, USAA World MasterCard,Service Credit Union Platinum Visa, Chase MasterCard, Chase Sapphire Preferred, Discover More Card, American Express Gold, American Express Platinum, Chase Continental One Pass


Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: Credit Cards and Lenders who use The Vantage Score ?


wwinter wrote:

Is the Vantage score the same as the FAKO score?  I believe we see our Vantage scores when (if) we log into that other credit related site called something like www (dot) notquitetruecredit (dot) com, is that correct?  I see all three CRA scores (FAKO or Vantage or whatever the heck they are) reporting... mine, fwiw, are currently TU 817 / EX 832 / EQ 772.


Vantage is one version of FAKO's, which is a general (and derisive) term for credit scores that aren't derived from FICO formulas.

 

Other FAKO's are PLUS scores, the Equifax FAKO's, etc.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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