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I don't have a fico score yet because my credit accounts are under 6 months old. I have a Capital one card, a Kohls card, and an Alliant SSL. Today my SSL through alliant reported and my credit wise vantagescore went down 22 points. Is this normal?
Who knows. It's a VantageScore, so it's more or less irrelevant since no real lenders will ever look at it. If you SSL reported and you have no other installment loan present, that's usually good for a 25-30 point gain on your FICO scores. I'm sure you already know this, as that's likely the reason you implemented it. If something is going to make your FICO scores go up 20+ points but it means your VS 3.0's drop 20+, that's absolutely fine so don't sweat it.
Nobody uses VantageScore, don't sweat it. That said I'm one of the few (or only one) who experienced a score drop when the SSL started reporting.
Perfectly normal. Same thing happened to me. Fico score shot up and Vantage score went down. Fico is all that matters.
OP, how far off are you from 6 months of credit history?
2 more months
@Anonymous wrote:2 more months
Cool, so you're have a real world (FICO) score very soon!