Credit Card Center Advertiser Disclosure

Moderator Emeritus
Posts: 7,970
Registered: ‎12-19-2007
0 Kudos

Re: Transunion and Experian

ARM wrote:
This is understood. And you confirmed that mortgage lenders use all three FICO scores to determine creditworthiness, regardless as to what algorithm is used by Transunion and Experian, which, according to them, Vantage is the one of choice, right? In order words, you pulled identical scores from the bank and this website (at least two times), the all three scores were identical.

ARM, I think that you are still mixing up the FICO models and the Vantage scoring systems. The FICO algorithms that are used by the three CRAs go by different names: EQ (Beacon), EX (Fair Isaac), TU (Emperica). Vantage is something different altogether. All three scores that you get from are FICO scores. All three scores that your mortgage lender pulled are FICO scores. Vantage has nothing to do with any of them. Vantage is something that TU & EX have collaborated on and are trying to gain acceptance. The lending institutions have not bought into this model and are comfortable with FICO.
Do what is true in spite of the consequences--your future is only as true as you are.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.