I was just wondering if anyone pays attention to their Vantage 3.0 scores. I know they can pretty much be considered FAKO's, however I guess they are true scores as far as the Vantage scoring is concerned.
In my case, my Vantage 3.0 score seems ridiculously high! I pull it once a month from credit.com (free). Last month it was a 752. Now it is showing a 793! For those that are not familiar with my history, two years ago I went through a foreclosure and had to do a credit card settlement. Needless to say, with that just being two years ago, I am still very much in recovery mode. It is almost laughable to think that this scoring now shows me at a 793 on a 300-850 scale. 
@EW800 wrote:I was just wondering if anyone pays attention to their Vantage 3.0 scores. I know they can pretty much be considered FAKO's, however I guess they are true scores as far as the Vantage scoring is concerned.
In my case, my Vantage 3.0 score seems ridiculously high! I pull it once a month from credit.com (free). Last month it was a 752. Now it is showing a 793! For those that are not familiar with my history, two years ago I went through a foreclosure and had to do a credit card settlement. Needless to say, with that just being two years ago, I am still very much in recovery mode. It is almost laughable to think that this scoring now shows me at a 793 on a 300-850 scale.
My vantage score 3.0 is actually lower than my eq08 score, all my scores are all over the place lol. My vantage score 3.0 is 769 and my eq08 is 807. Right now i have an fairly clean credit report. No baddies reporting , an lot of HP nearing double digits. The biggest negative i think i have is no installment loan maybe that is what i am getting punished for.
A bit off topic but the vantage score that CK offers which version is that?
@mongstradamus wrote:
@EW800 wrote:I was just wondering if anyone pays attention to their Vantage 3.0 scores. I know they can pretty much be considered FAKO's, however I guess they are true scores as far as the Vantage scoring is concerned.
In my case, my Vantage 3.0 score seems ridiculously high! I pull it once a month from credit.com (free). Last month it was a 752. Now it is showing a 793! For those that are not familiar with my history, two years ago I went through a foreclosure and had to do a credit card settlement. Needless to say, with that just being two years ago, I am still very much in recovery mode. It is almost laughable to think that this scoring now shows me at a 793 on a 300-850 scale.
My vantage score 3.0 is actually lower than my eq08 score, all my scores are all over the place lol. My vantage score 3.0 is 769 and my eq08 is 807. Right now i have an fairly clean credit report. No baddies reporting , an lot of HP nearing double digits. The biggest negative i think i have is no installment loan maybe that is what i am getting punished for.
A bit off topic but the vantage score that CK offers which version is that?
Thanks for sharing your info!
In my case, it seems like the Vantage 3.0 model is not punishing me at all for the ugliness of two years ago, and rewarding me big time for having basically a perfect record and low Util the last 24 months or so.
In regard to your question at the Vantage version that CK uses, if I remember correctly that is the Vantage 2.0, which is a scale of 501 to 990, I believe. According to CK, my Vantage 2.0 score is 863.
@EW800 wrote:
@mongstradamus wrote:
@EW800 wrote:I was just wondering if anyone pays attention to their Vantage 3.0 scores. I know they can pretty much be considered FAKO's, however I guess they are true scores as far as the Vantage scoring is concerned.
In my case, my Vantage 3.0 score seems ridiculously high! I pull it once a month from credit.com (free). Last month it was a 752. Now it is showing a 793! For those that are not familiar with my history, two years ago I went through a foreclosure and had to do a credit card settlement. Needless to say, with that just being two years ago, I am still very much in recovery mode. It is almost laughable to think that this scoring now shows me at a 793 on a 300-850 scale.
My vantage score 3.0 is actually lower than my eq08 score, all my scores are all over the place lol. My vantage score 3.0 is 769 and my eq08 is 807. Right now i have an fairly clean credit report. No baddies reporting , an lot of HP nearing double digits. The biggest negative i think i have is no installment loan maybe that is what i am getting punished for.
A bit off topic but the vantage score that CK offers which version is that?
Thanks for sharing your info!
In my case, it seems like the Vantage 3.0 model is not punishing me at all for the ugliness of two years ago, and rewarding me big time for having basically a perfect record and low Util the last 24 months or so.
In regard to your question at the Vantage version that CK uses, if I remember correctly that is the Vantage 2.0, which is a scale of 501 to 990, I believe. According to CK, my Vantage 2.0 score is 863.
There must be something on my TU report CK doesn't like. I think it may have to do with an bunch of closed accounts that they don't seem to factor. my CK vantage score is 839 not really that great. My TU08 score from discover and wally is 804. My util is very low usually fluctuates from 1% to 8%. No baddies or anything. Since my reports appears to be clean i hope i won't have any trouble applying for an card here and there.
I forgot to mention my CK score is an lowly 751 :-(
@I_SUFFER_FROM_FICO_ENVY wrote:Credit.com offers TWO free scores based, updated every 30 days, on your Experian Credit Report: 1) a FAKO; 2) a Vantage 3.0.
What is your FAKO from credit.com? My FAKO is 75 points higher than the Vantage 3.0 from that site.
806 credit.com fako , 780 vantage 3,0 and 770 experian my fico.guess vantage isn't that far off.
@EW800 wrote:I have a major difference in my two credit.com scores...
credit.com FAKO: 708
credit.com Vantage 3.0: 793
I consider the FAKO score much more reality. I am recovering from a foreclosure and a CC settlement two years ago, so the 793 is almost laughable. In my case, it sure makes it look like Vantage 3.0 gives a LOT of weight to the past two years (I am squeaky clean in the last two years) and is not holding the foreclosure and settlement against me very much at all.
I have fairly clean credit report so don't really know ,I am going to just trust true fico score before I attempt to apply for anything
My Vantage scores seems to b higher than Myfico
EQ: quizzle Vantage-804 myfico-779
EX: credit.com Vantage-786 , FAKO-794, myfico-771
TU: CK Vantage-911, FAKO- 794, myfico- 792
