A triple perfect credit score... How rare is it?

[pinipig523]

A triple perfect of Vantage?  Rare?  Difficult?  Reflective of fico?

990 on three?  

[StartingOver10]

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@pinipig523 wrote:

A triple perfect of Vantage?  Rare?  Difficult?  Reflective of fico?

990 on three?  

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Who knows? Vantage has no meaning for me since most lenders use FICO - why try to achieve perfection for a score that is not used by lenders?

And, even for FICO, there is limited advantage to getting your score above 760 (IMO).  Fight the battles that matter....rather than trying to capture a unicorn...

Note:  I know my POV is not shared by many here on this forum. I happen to think that FICO is a tool to use for obtaining excellent financing for goods/services/products.

[pipeguy]

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@StartingOver10 wrote:

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@pinipig523 wrote:

A triple perfect of Vantage?  Rare?  Difficult?  Reflective of fico?

990 on three?  

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Who knows? Vantage has no meaning for me since most lenders use FICO - why try to achieve perfection for a score that is not used by lenders?

And, even for FICO, there is limited advantage to getting your score above 760 (IMO).  Fight the battles that matter....rather than trying to capture a unicorn...

Note:  I know my POV is not shared by many here on this forum. I happen to think that FICO is a tool to use for obtaining excellent financing for goods/services/products.

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Couldn't agree more !

[pinipig523]

I kinda want to check my fico score but don't really want to pay for something that doesn't really matter.

I have credit monitoring through transunion and I checked my scores and I used to be in the 800s for vantage and this is what I got as of yesterday.  Vantage might not be like fico, but I thought it was cool.

990 out of 990 on all 3 scores, triple perfect.  Makes me smile.  A unicorn.  I wonder what my fico is.  I worked hard to have good credit.  I'm 33 years old and I've been very good about no delinquencies and not over extending myself.

[pinipig523]

Here is the triple score. Hard work pays off! Anyone with bad credit, do your due diligence and you can do it too!

[pinipig523]

I should really save these scores and plaque it, it's all downhill from here!  LOL....

[EW800]

That is the Vantage 2.0 model. Have you by chance checked the Vantage 3.0 model to see if it shows perfect as well?

[Transmogrifying_Bee]

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@pinipig523 wrote:

A triple perfect of Vantage?  Rare?  Difficult?  Reflective of fico?

990 on three?  

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Interesting that your TransUnion VantageScores appear to be one of the OLDER versions (VS 1.0 or (probably) 2.0), with their confusing score range of 501 - 990 and a corresponding A to F letter grade.

The newest version is VantageScore 3.0, with a score range of 300 - 850 and NO letter grade.  The majority of the current "free" credit score sites (incl. Credit Karma, Credit Sesame, Quizzle, Lending Tree and Credit.com (1 of the 2 scores)) are VantageScore 3.0 versions.

Just another confusing aspect of the confusing world of credit scores...!??

Still, CONGRATULATIONS are due @pinipig523 for doing a great job to be able to "max out" the credit score range, whether it's "990" or "850!"

[pinipig523]

Thanks!!  It's a lot of hard work but a triple perfect is rare regardless of the scoring system.  I don't really care to check my fico or vantage 3.0... It doesn't matter since I'm sure it's good.

[Rebuilding69]

Lol, have you ever applied for something just to get them to pull your credit report & watch their reaction? I think I'd have to do that once or twice haha.