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Long story short DMs TU report is finally free of all derogs and her FICO score shot up to a massive 817, but guess what?! Her Vantage score dropped from 791 to 764, idk how that scoring works but its messed up, you would think derogs get removed, score goes up NOT down...
My vantage scores go down as my fico goes up. previously I was close to 200 points apart Fako being higher, now I'm about 30-40 points apart
My wifes fako scores are now more in line with her Fico. with the exception of her TU, Fako TU is 771 and FICO is 790
FICO and FAKO are 2 diffrent animals.
the break down of the 2
Payment history (35%): Looks at on-time payments, late payments and defaults
VantageScore
Age and type of credit (highly influential): This factor refers to your account mx and length of credit history. The key idea is to maintain a variety of account types, like credit cards and loans, over time.
Credit utilization (highly influential): Your utilization percentage is calculated by dividing your balances by your available credit. It's generally recommended to keep your balances under 30 percent of your total credit limit.
Total balances (moderately influential): This looks at the balances of both current and delinquent debt. Similar to utilization, reducing the amount of debt you owe can help improve your score.
Recent behavior (less influential): This factor looks at how many credit accounts you've recently opened and the number of hard inquires placed on your file.
Available credit (least influential): This is the amount of credit you have available at your disposal