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Vantage 3.0 datapoint: 670 -> 785

Moderator

Vantage 3.0 datapoint: 670 -> 785

Transunion, VS 3.0 via CK.

 

670 -> 785.

 

Oct 23 -> Nov 7 (yeah not as ideal as if I'd pulled 10/30).

 

Salient change: the 30 day late from 10/2015 aged over a year.  Couple other minor balance changes but nothing otherwise significant; no change in inquiry count either.

 

Still a tax lien and a 30/60 late from 2010 on the report, and it's back up to where the EQ and EX VS 3.0 scores are.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Valued Contributor

Re: Vantage 3.0 datapoint: 670 -> 785

Perhaps the below curve for missed payments is an average for 30 day and 60 day lates with 30 day losing impact at 12 months and 60 day at 24 months.

VantageScore graphic.gif

Fico 8: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 9: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 4 .....:. EQ 804 TU 823 EX 830 (3/2017) EX Fico 98: 839 (3/2017)
VS 3.0:...... EQ 832 TU 832 EX 832 (3/2017)
Fico 8 BC:. EQ 887 TU 899 EX 900 (3/2017)
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950 (4/2017)
Message 2 of 5
Moderator

Re: Vantage 3.0 datapoint: 670 -> 785

Seems reasonable; it's probably even more complicated than that ( including more serious deliquencies potentially) as I can't see a 30+ having the same weight as a 90+ or a 120+ but the 30+ is absolutely more frequent than any of the others.

 

Not sure how much relevance it really has but it was an interesting datapoint on the aging of a 30 day late on Vantage at least and there isn't a whole lot else it could be since the tax lien is still very much there.  Does suggest that my 30 and even 60 from 2010 probably aren't hurting me at all Vantage wise and haven't for several years even given I've been 780-790 since CK switched from the TU New Accounts Score.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 3 of 5
Contributor

Re: Vantage 3.0 datapoint: 670 -> 785


Revelate wrote:

Transunion, VS 3.0 via CK.

 

670 -> 785.

 

Oct 23 -> Nov 7 (yeah not as ideal as if I'd pulled 10/30).

 

Salient change: the 30 day late from 10/2015 aged over a year.  Couple other minor balance changes but nothing otherwise significant; no change in inquiry count either.

 

Still a tax lien and a 30/60 late from 2010 on the report, and it's back up to where the EQ and EX VS 3.0 scores are.


 

Useless.  Vantage increase or decrease means nothing.

 

Check FICO score and see what happened then report back for a useful datapoint.

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Senior Contributor

Re: Vantage 3.0 datapoint: 670 -> 785


dlm0820 wrote:

Useless.  Vantage increase or decrease means nothing.

 

Check FICO score and see what happened then report back for a useful datapoint.


Poor attitude here. 

 

Of course it means something.  It's a scoring model that uses criteria and data to yield a number.  If the number changes, something caused it and the OP clearly stated in the thread title that this was a VS datapoint. 

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