SL deleted score didn’t increase

Anonymous · ‎02-20-2018

Navient a private SL finally got deleted off TU after seven years but Credit Karma doesn’t show any increased scores. My next Fico 3B report comes out in three weeks should I check that instead?

thornback · ‎02-20-2018

Yay for you! And Yes. Credit Karma / Vantage scoring model does not weigh items the same as FICO. For example: I had a state tax lien removed - my Vantage score went up 3 points and FICO went up 67 points. FICO is what matters most as it is what the majority of lenders use to make credit decisions.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

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SL deleted score didn’t increase

Re: SL deleted score didn’t increase

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