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In the past month my Vantage score on Credit Karma has dropped by a whopping 70 points! My actual FICO score during that time though has gone UP by 9 points.
Do you think Vantage changed some part of their formula? This seems like to drastic of a drop to be anything else. The only real change on my report is that one of my unused cards had a balance increase.
why would you be concerned about the credit karma and their vantage score? its a fako score generated by their own system.its doo dooooo,I do believe tho their score is somewhat close to TU.
I am not so much worried about it as very shocked. I couldn't believe that it would change that much overnight without some change in their formulations. Made me think that maybe they had done something to make it more closely resembe a true FICO score.
They do seem to make a big fuss out of any little change in your credit report.I had one inquiry from barclay(to TU) a week ago and they dropped 20 points off my score there.Ridiculous formulation, if they indeed changed it.
@roastbeans wrote:They do seem to make a big fuss out of any little change in your credit report.I had one inquiry from barclay(to TU) a week ago and they dropped 20 points off my score there.Ridiculous formulation, if they indeed changed it.
same here but CK scores are just for fun ... their scores do the oposite of Fico at least in my case. but I like the free access of the report..rest is really just a joke. the best example is their card approval odds.. within the same day it can be "fair" and "very good" for the same card and this without any changes on the report...