@ShiningDown wrote:I just got my score from Elan Financial and it matched my score on credit karma.
Which score on CK? Transrisk: pure luck imo, Vantage Score, good info!
@ShiningDown wrote:My vantage score is reading 682 on credit karma. I went back a few weeks and it was 698 so US bank was using vantage score when they checked my score,I guess.
Can't make this assumption honestly. On the assumption you got a letter from USBank regarding your score, if it says FICO anywhere on it, then it definitely wasn't VS. If i doesn't, well then it may be but you'd need to line up the score ranges for any sort of realistic conclusion.
It's possible as I know VS is used by a few small lenders, but USBank is a national lender, and I'd be pretty surprised if they were. I do think the letters people received at least on the credit card apps were FICO recently. What did you wind up applying for that you hit that 698 which lined up with your VS?
My letter from US Bank says....We obtained your credit score from Transunion and your credit score was 697 0n 6/22/12. Transunion fico risk score classic 04 Bankcard scores can vary from 250-873.
US Bank checked my credit report for cli and only did a soft pull, that's why I got a letter and score from them.
697 matches my vantage score on credit karma when they pulled my scores in June. Now my vantage score says 682 today.Transrisk says 647 on creditkarma.
Score changed after 2 hard pulls this month.
YOUR VANTAGESCORE HISTORY
Jul2012
YOUR VANTAGESCORE
682
Credit Grade D
Last updated: Jul 25, 2012
