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Bad Item Removed - Score Didn't Change!

Frequent Contributor

Bad Item Removed - Score Didn't Change!

My last bad item from Transunion was removed, leaving me with 0 baddies and no lates.

 

My vantage was 720 with the baddie and remains 720 with it gone.

 

Baddie had virtually no age (6 months).

 

Is this normal?

Ch7 Discharge: 5/14/2016 | 8/15/2016 scores: EQ 631 | TU 624 | EX 641
Message 1 of 4
3 REPLIES
Super Contributor

Re: Bad Item Removed - Score Didn't Change!

You are talking about a FAKO score ~ these scores have their own scoring formulas and do not behave like FICO scores much of the time.

I would recommend pulling your FICO score to see where you really stand.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 4
Established Contributor

Re: Bad Item Removed - Score Didn't Change!

I agree with pizzadude.

 

My Vantage score went up 20 points in the last couple months but my Transcore has not moved.

 

I know they're both FAKOs but basically one has no correlation with another.

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 753
TU FICO - 701
EX FICO(AMEX) - 707
Message 3 of 4
Super Contributor

Re: Bad Item Removed - Score Didn't Change!

I would also ignore any advice that a FAKO score provider tells you to im porove your FAKO score.  Unless it is paying down CC debt and paying on time that is.

10/17/2017 FICO: EQ 829 TU 830 EX 826
Message 4 of 4