Reply
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

LOL Credit Karma Vantage score VS Transrisk.

[ Edited ]

I gained 8 points 702 to 710  for my Transrisk score for going from 0% utility to 1% and LOST 22 points 802 to 782 vantage score for the same :smileyhappy:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Moderator
Posts: 13,761
Registered: ‎04-15-2011
0

Re: LOL Credit Karma Vantage score VS Transrisk.

Don't feel bad, everytime my scores go up on CK, my Insurance rating goes down.  Guess people with good scores are bad drivers.   haha



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
Posts: 123
Registered: ‎10-02-2012
0

Re: LOL Credit Karma Vantage score VS Transrisk.


Shogun wrote:

Don't feel bad, everytime my scores go up on CK, my Insurance rating goes down.  Guess people with good scores are bad drivers.   haha


I don't get that at all...my CK insurance score has dropped over 120 points simce July. I have had a perfect driving record for 20+ years, and pay next to nothing for car insurance. CK is the antithesis of every other CRA out there. I am always glad when my score drops, because I know it went up everywhere else.

Established Contributor
Posts: 554
Registered: ‎06-02-2012
0

Re: LOL Credit Karma Vantage score VS Transrisk.

Inquires kill your insurance score
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Established Member
Posts: 20
Registered: ‎10-23-2012
0

X2   3 hard pulls dropped my insurance rating from an A t...

X2

 

3 hard pulls dropped my insurance rating from an A to a C

Starting scores 5/29/12 via 53 identity alert
EX-676 TU-667 EQ-665
Todays scores 11/16/2012 via 53 identity alert
EX-721 TU-719 EQ-723
Community Leader
Established Contributor
Posts: 901
Registered: ‎08-30-2007
0

Re: LOL Credit Karma Vantage score VS Transrisk.


distantarray wrote:

I gained 8 points 702 to 710  for my Transrisk score for going from 0% utility to 1% and LOST 22 points 802 to 782 vantage score for the same :smileyhappy:


Gotta love those Fako scores. :smileyvery-happy:


Starting Score: 500's
Current Score: 761 EQ(DCU), 758 TU(Barclay), 788 EX(Credit.com)
Goal Score:760 X 3


Take the myFICO Fitness Challenge

Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
0

Re: LOL Credit Karma Vantage score VS Transrisk.

I wonder how much the Auto Insurance Score at CK has to do with credit. Mine is an absolutely flat line at 928. No change at all, ever. My CK Transrisk during the same period has varied by 60 points and my Vantage by 59. Of course, the Transrisk and Vantage have frequently moved in different directions for the same report change.

Moderator
Posts: 13,761
Registered: ‎04-15-2011
0

Re: LOL Credit Karma Vantage score VS Transrisk.

My Transrisk goes up, my auto insurance goes down.  Like clockwork.  When I had crappy credit, it was high, now that I've got it all cleaned up, it's poor.  Go figure.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
0

Re: LOL Credit Karma Vantage score VS Transrisk.

It's unsurprising that two different scoring systems would move in opposite directions?  For example, there can be honest disagreement on whether someone with zero utilization or 5% utilization presents a greater risk of default. 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
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 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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.