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Does USAA Use Vantage Scores

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Anonymous
Not applicable

Does USAA Use Vantage Scores

Does USAA really use Vantage Scores in their credit decisions?

 

Thanks!

Message 1 of 4
3 REPLIES 3
thornback
Senior Contributor

Re: Does USAA Use Vantage Scores

They pulled EQ FICO8 for my apps.

They offer free monthly EX Vantage scores to members for "score tracking".
Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 4
Anonymous
Not applicable

Re: Does USAA Use Vantage Scores


@thornbackwrote:
They pulled EQ FICO8 for my apps.

They offer free monthly EX Vantage scores to members for "score tracking".

Correct.  They like a lot of creditors use FICO scores for credit decisions but use Vantage scores as the ones they give out because they are cheaper to obtain.

Message 3 of 4
Anonymous
Not applicable

Re: Does USAA Use Vantage Scores


@Anonymouswrote:

@thornbackwrote:
They pulled EQ FICO8 for my apps.

They offer free monthly EX Vantage scores to members for "score tracking".

Correct.  They like a lot of creditors use FICO scores for credit decisions but use Vantage scores as the ones they give out because they are cheaper to obtain.


It's kind of funny when you think about it that Synchrony apparently has money to spend for proper FICO scores for their customers but Capital One is too cheap to lay out the requisite fees. Smiley Tongue

Message 4 of 4
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