@Anonymous wrote:
I've heard Chase does...if no one used them why would they exist?
Like I said no major lenders I know use it, didn't say no lenders use it. There are some lenders whom use it but only way for sure to know who uses vantage score or any other scoring model is if they tell you what they used (which is usually done by getting a denial letter). I can tell you at least in IL where I live and have applied chase, bank of America, capital one. Amex, Citi, discover, credit one, Merrick bank, synchrony bank and comenity bank and probably some others I forgot about applying to all use Fico scores (again I know from denial letters). Also almost all pull TU here except amex (ex), discover (eq, ex) and comenity mainly pulled eq. Hope this helps as a data point. Like i said though there are some lenders whom use vantage score just none I know of.
