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Regular Contributor
mschang
Posts: 139
Registered: ‎06-10-2012
0

Re: Credit Karma Transrisk vs. Vantage


Cranski wrote:

The numbers are useless but the alerts are usefull. Such notices as score change, HP notices, and any change in insurance risk evaluation. Not the amounts just the notice of change.

 


the insurance risk number is actually used by someone?? that number has NEVER moved for me despite my FICO and FAKOs increasing. but still... someone uses the insurance risk number??

 


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

Re: Credit Karma Transrisk vs. Vantage


mschang wrote:

 

the insurance risk number is actually used by someone?? that number has NEVER moved for me despite my FICO and FAKOs increasing. but still... someone uses the insurance risk number??


  Insurance company (car, house, etc) does use your insurance risk score to calculate your rate.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
mschang
Posts: 139
Registered: ‎06-10-2012
0

Re: Credit Karma Transrisk vs. Vantage

it figures the one i don't pay attention to is the useful one


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
New Contributor
Movin_on_up
Posts: 55
Registered: ‎01-31-2012
0

Re: Credit Karma Transrisk vs. Vantage


jsucool76 wrote:
Bah, if chase uses vantage id be thrilled. My vantage on ck is in the low-mid 700s

 

Not to be a bubble-burster but remember that the Vantage Score scale goes from 501 - 990.  A bit different than the FICO.

 

Mine has been hanging around the 750s for the past few months too.

Valued Contributor
jamesdwi
Posts: 1,906
Registered: ‎09-16-2011
0

Re: Credit Karma Transrisk vs. Vantage

Not sure Vantage is any good at all, got a 71 point raise because I lowered my UTL by $41 and then a 65 point drop for some other reason.. 141 points of  movement in a single week and I have a very thick file that should be fairly stable,and nothing major happen, no new baddies showing up just paying bills and various cards reporting. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.

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