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

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
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Shogun
Posts: 12,896
Registered: ‎04-15-2011

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+

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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!
New Contributor
ds3
Posts: 76
Registered: ‎10-02-2012

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
swpopham
Posts: 540
Registered: ‎06-02-2012

Re: LOL Credit Karma Vantage score VS Transrisk.

Inquires kill your insurance score
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Established Member
Nati
Posts: 20
Registered: ‎10-23-2012

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
Established Contributor
guydiver
Posts: 534
Registered: ‎08-30-2007

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:

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Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
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Valued Contributor
GregB
Posts: 1,670
Registered: ‎05-24-2007

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
Shogun
Posts: 12,896
Registered: ‎04-15-2011

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
Walt_K
Posts: 3,065
Registered: ‎11-02-2009

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


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