Re: Vantage Score?
12-29-2012 04:20 PM
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.