Regular Contributor
Posts: 223
Registered: ‎01-01-2012

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?

Super Contributor
Posts: 9,674
Registered: ‎01-28-2010

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
Established Contributor
Posts: 1,040
Registered: ‎02-27-2012

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 - 728
TU FICO - 743
Super Contributor
Posts: 5,703
Registered: ‎10-06-2007

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.

11/28/2014 FICO: EQ: 796 EX:788 TU:803
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