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I just checked my CK now since it is updated this day, my TU went +44 and my EQ +53 and i was surprised. I don't have any bad reports, no lates, util below 15%.
@Anonymous wrote:I just checked my CK now since it is updated this day, my TU went +44 and my EQ +53 and i was surprised. I don't have any bad reports, no lates, util below 15%.
CK provides useless Vantage Score 3.0, which is different from FICO 08 so there's no way to tell the discrepancy between these two. I have seen other people with CK scores 70 points higher/lower than scores from here. Take CK scores with a grain of salt
It calculates differently.. I've seen mine be within 10 points and other times be 60 points different. That's why I favor cards that give you your Fico score like discover or Amex.
The Vantage 3.0 scores cannot be conflated to what a Fico score may be they can be all over the map. The Vantage score is used by a few lenders so its not a complete FAKO.
You can never use any scoring model to determine a score generated by a completely different model. You should expect different algorithms to produce different results. This applies to both FAKO's and FICO's.
If you want to know your FICO's then you'll need to use a source that provides them. Keep in mind that creditors use a number of different FICO models and scores can vary by model. See also the Understanding FICO Scoring subforum and its stickies.
@Anonymous wrote:I just checked my CK now since it is updated this day, my TU went +44 and my EQ +53 and i was surprised.
Surprised by what? Review the reports. A score is based on the data in the report.