Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
Re: Vantage Score?

Don't be too taken by FICO marketing.  As it says on this site:


90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.


i.e. once you have paid for your score here, in 10% of the cases, your lender will see potentially a very different score.   And this understates the issue.  The score here is one particular version of FICO, your lenders might be used credit-card-enhanced, auto-enhanced etc versions of FICO, so even though it falls into the 90%, it is a different score.


And, in particular, the TU score available here is more or less a FAKO, as very very few lenders now use that version.  Walmart gives its cardholders the more modern version.