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Credit Karma Transrisk vs. Vantage

Regular Contributor

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
Message 11 of 15
Valued Contributor

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.

Message 12 of 15
Regular Contributor

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
Message 13 of 15
New Contributor

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.

Starting score: EQ FICO 8 702 (1/1/2012)
Current scores: EQ FICO 8: 763 / TU FICO 8: 760 / EX FICO 8: 765

Wallet: Chase Freedom 12K - Discover More 12K - Walmart 1K - Capital One MC 1K
Message 14 of 15
Valued Contributor

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 15 of 15