Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 179
Registered: ‎10-29-2016

Re: Do any leaders use Vantage Score 3.0?

[ Edited ]

Vantage stinks! all my Vantage scores or an average 50 points lower than my Fico scores. vantage doesn't forgive new accounts or Credit inquiries like Fico does. I hope Vantage never catches on it stinks! Most Major credit card companies use Fico not fako.

Frequent Contributor
Posts: 315
Registered: ‎09-15-2016

Re: Do any leaders use Vantage Score 3.0?

My Vantage scores are 10-15 pts higher than my Fico 08's.

FICO08 7/7/17 EQ-767, TU-770, EX-761
Gardening unit sometime in 2018
Frequent Contributor
Posts: 393
Registered: ‎01-16-2017

Re: Do any leaders use VantageScore 3.0?

My Fico 8 are around 610 Vantage 3 around 690. If Vantage 3 is more accurate model than eventually it will be used more.
Senior Contributor
Posts: 3,729
Registered: ‎11-11-2015

Re: Do any leaders use VantageScore 3.0?

masscredit wrote:

Capital One, Credit Karma and some others provide VantageScore 3.0 scores. Do any lenders actually use these for anything or are they totally for entertainment purposes?



"Educational Purposes".

AMEX BCP $9000- DCU Platinum $10000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Penfed Promise $25000- Cap1 Premier Dining $25000- NFCU Go Rewards $27100- Venture $27750 **As of 7/8/17** EX- 760(21) TU- 758(17) EQ- 752(13) UTI 5%- Clean Files-
New Visitor
Posts: 1
Registered: ‎07-23-2017

Re: Do any leaders use VantageScore 3.0?

[ Edited ]


matts175 wrote:

I must be the odd one. My Fico 8 scores pretty much exactly match, within a point or 3, my Vantage scores every single month.

i realize this is from november 2016 but you are not alone matts175 -  my FICO 8 are fairly similar to VS 3  +/- 15ish.    but i don't have many accounts.   


something i found weird tho is,  i have a collection account that shows on TU but not on Equifax, another that shows on equifax but not TU.   and both show on experian.  seems suspect to me that it works out sort of evenly divided that way with TU and Equifax.


also i discovered that you need to carry a small balance on an account  (with FICO 8 anyway) paying my only open credit card off  (so $0 owed)  lowered my FICO 8 score by 15 points.. :/


it went like this:   7/1 i was notified my score went up 3 points after a month of no change.   on 7/2 i was notified that my score went down 15 points.   the only change was my cc reported my balance as $0.

Senior Contributor
Posts: 6,158
Registered: ‎04-11-2016

Re: Do any leaders use VantageScore 3.0?

frogman1 wrote:
If Vantage 3 is more accurate model than eventually it will be used more.

What are you basing your statement of it possibly being a more accurate model on?

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.