Credit Cards and Lenders who use The Vantage Score ?

[MarineVietVet]

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@Bluerain wrote:

Sorry to hear about your denial  Maybe they pull Vantage if all of the 3 CRA's are frozen? 

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Hmmmmmmm

Anyone willing to test this ?

Oh Yeah !

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If all three CRA's are frozen then no score of any kind could be generated.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Ms-Kato]

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@MarineVietVet wrote:

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@Bluerain wrote:

Sorry to hear about your denial  Maybe they pull Vantage if all of the 3 CRA's are frozen? 

---

Hmmmmmmm

Anyone willing to test this ?

Oh Yeah !

---

If all three CRA's are frozen then no score of any kind could be generated.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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Doh !

[Anonymous]

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@Bluerain wrote:

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@MarineVietVet wrote:

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@Bluerain wrote:

Sorry to hear about your denial  Maybe they pull Vantage if all of the 3 CRA's are frozen? 

---

Hmmmmmmm

Anyone willing to test this ?

Oh Yeah !

---

If all three CRA's are frozen then no score of any kind could be generated.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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Doh !

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Haha that didn't cross my mind! 

[HoahCredit]

American Express uses Vantage.

[GregB]

Where did you get that information?

Almost all information available says otherwise.

[Ms-Kato]

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@HoahCredit wrote:

American Express uses Vantage.

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I have a 711 vantage score and amex denied me..I doubt they use it unless my baddies scared them away...they actually pulled EX.

[cdtotten]

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@HoahCredit wrote:

American Express uses Vantage.

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American Express does not use Vantage score. They have their own internal scoring system, that is based on your Experian report.

[wwinter]

Is the Vantage score the same as the FAKO score?  I believe we see our Vantage scores when (if) we log into that other credit related site called something like www (dot) notquitetruecredit (dot) com, is that correct?  I see all three CRA scores (FAKO or Vantage or whatever the heck they are) reporting... mine, fwiw, are currently TU 817 / EX 832 / EQ 772.

[HoahCredit]

I was given the wrong info then... Thank you for clarifying that.

[haulingthescoreup]

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@wwinter wrote:

Is the Vantage score the same as the FAKO score?  I believe we see our Vantage scores when (if) we log into that other credit related site called something like www (dot) notquitetruecredit (dot) com, is that correct?  I see all three CRA scores (FAKO or Vantage or whatever the heck they are) reporting... mine, fwiw, are currently TU 817 / EX 832 / EQ 772.

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Vantage is one version of FAKO's, which is a general (and derisive) term for credit scores that aren't derived from FICO formulas.

Other FAKO's are PLUS scores, the Equifax FAKO's, etc.