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Valued Contributor
Posts: 2,056
Registered: ‎06-16-2012
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Re: Vantage scores


Deltadog03 wrote:

I was curious to see the new VantageScore 3.0 in action, so I purchased the report from Experian today....Guess what??  Its NOT the 3.0 they advertise.....its the 2.0 scale system....  pissed....ugggh


I dont see anyone providing that model yet. Maybe it really hasnt gone into affect or maybe consumers cannot purchase it yet.

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
Established Contributor
Posts: 960
Registered: ‎02-14-2013
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Re: Vantage scores

Might have been a super stupid oops, but I thought on that page it talked about 3.0, so I assumed it was. Oh well I guess
EQ8: 630 EQ5: 662 V3.0: 695 **4/2015
TU8: 635 TU4: 700 V3.0 :693 **4/2015
EX8: 644 EX3: 670 V3.0: ? **4/2015
CCD Util 7%

Valued Contributor
Posts: 1,207
Registered: ‎07-18-2009
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Re: Vantage scores

I believe VantageScore 3.0 isn't even rolling out to lenders until later this spring. No telling when it will be available to consumers. Also, it takes lenders some time to adopt new scores, even if they are very good predictors. They have to evaluate it first then, being conservative, will probably only use it for a fraction of their portfolio until they can see good results.


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
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