Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: Vantagescore or FICO? myFICO TU gives me 686 out of 850, but TU main site gives me 696 out of 99

Yep, invented to compete, but nobody is running with it. And ditto to some of Chase's products, and I even heard of one mortgage lender (not mentioned here) that uses Vantage. The challenge with VantageScore for us consumers is that Vantage excludes AU accounts, whereas FICO does not. There are a lot of couples out there where the husband is the bread-winner and the spouse is exclusively AU. They would be hurt by this model. Or there are some who are new to credit, or even young, who relied on others for that history. VS excludes that.