@mark3038 wrote:
@mrtech3 wrote:I have some 30 day lates from 2019 but weird thing is they are on all 3 reports with the same 15% utilization and my EQ is 724 and TU is 758....
It all depends where you are getting your scores from. The TU website gives out fake scores. People go onto TU thinking that that is their score which it is NOT.. If you go onto EX that is your REAL FICO score, EQ too is giving out fake scores on their site as well.
Only real FICO scores are used for this card and many others. EX again is the only one of the 3 giving out real FICO scores.
Credit Karma, Nerd Wallet etc, are all giving out the fake scores.
X1 will be looking at your FICO score at EX which is correctly posted on the EX site. There are many other cards you can qualify for but I have not seen any X1 approvals with some recent lates. They tend to give out higher CL's so they are looking for a clean report with no recent lates. In the future to not waste a HP please go on here and post what you are looking for and you will be sent in the right direction instead of hit and miss. I do not suggest you try X1 again for at least a year and watch and see first if anyone is starting to be approved with lates.
Thanks
Mark
While it's true that EQ and TU do not provide FICO scores, it's NOT true that the scores they do provide are "fake." EQ and TU both provide a Vantagescore 3.0, which, while rarely, if ever, used by lenders, is still a real score.
@Jnbmom wrote:While CK and wallet hub etc do not provide FICO scores it is clearly stated on their website that they are "Vantage" scores so people should be well aware of that .
@mark3038 Please stop stating these are FAKE , they are not they are just a different version and while "most lenders" don't utilize these scores, there are a rare few like Synchrony that do .
Call it as you wish. A friend of mine who is a UW at a major bank told me when I asked her about the Vantage score system;
"Why would we use them? they can swing up to 100 points in either direction and they are NOT accurate scores" This is why they only use FICO scores. You can defend the Vantage system all you want but if banks do not trust it or use it that should say it all. One or two banks may be using them and if you look at those banks they have the lowest customer satisfaction in the industry. Enough said
Thanks
Mark
@mark3038 wrote:
@Jnbmom wrote:While CK and wallet hub etc do not provide FICO scores it is clearly stated on their website that they are "Vantage" scores so people should be well aware of that .
@mark3038 Please stop stating these are FAKE , they are not they are just a different version and while "most lenders" don't utilize these scores, there are a rare few like Synchrony that do .
Call it as you wish. A friend of mine who is a UW at a major bank told me when I asked her about the Vantage score system;
"Why would we use them? they can swing up to 100 points in either direction and they are NOT accurate scores" This is why they only use FICO scores. You can defend the Vantage system all you want but if banks do not trust it or use it that should say it all. One or two banks may be using them and if you look at those banks they have the lowest customer satisfaction in the industry. Enough said
Thanks
Mark
First off I am not defending the Vantage score, I am simply stating the fact that these are scores . Yes a majority of lenders do not rely on these, but the fact remains they are a version. I personally don't like how they fluctuate compared to FICO but it is what it is.
@mark3038 Please stop stating these are FAKE , they are not they are just a different version and while "most lenders" don't utilize these scores, there are a rare few like Synchrony that do .
I'm a little confused. I routinely see people use the terms 'fake' or 'FAKO' when referring to non-FICO scores. I thought that was an accepted board thing! 
