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Can you help me....Vantage 4.0

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Horseshoez
Valued Contributor

Re: Vantage 4.0 Sources


@Cory88 wrote:

Experain.com FICO 8 free every 30 days. Creditkarma.com I think it Vantage too but will give you TransUnion and Equifax .


I don't believe any of those four give Vantage 4.

I categorically refuse to do AZEO!
Message 11 of 24
kickhard88
Contributor

Re: Vantage 4.0 Sources

only place i know of is care credit. credit karma is vantage score 3

Message 12 of 24
Zoostation1
Established Contributor

Re: Can you help me....Vantage 4.0

Give it some time and we'll see VS 4.0 in mortgages (scary IMO)  There's a thread that was started when it was announced that VS 4.0 and FICO 10T were approved as the future replacements for the current FICO 5,4,2 scores being used.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
Feb 2024 FICO 8:
Feb 2024 FICO 9:
Message 13 of 24
805orbust
Valued Contributor

Re: Can you help me....Vantage 4.0

@Zoostation1  I'd love that. My FICO 10T is my highest score by far... almost 25 points higher. No clue as to why.



Message 14 of 24
Zoostation1
Established Contributor

Re: Can you help me....Vantage 4.0

10T is my second best set of scores.  Worse than my 9, slightly better than 5 4 2, better than 8 and considerably  better than regular 10.  Regular 10 EQ really doesn't seem to want me to rebuild.  VS4.0 scares me because  I have no idea where I'm at or how it reacts.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
Feb 2024 FICO 8:
Feb 2024 FICO 9:
Message 15 of 24
pizzadude
Credit Mentor

Re: Can you help me....Vantage 4.0

One other point of reference to add -- I recently read somewhere ( still looking for source ) that all VantageScore models are now ignoring medical debt, regardless of age, amount, or paid status. 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 16 of 24
M_Smart007
Legendary Contributor

Re: Can you help me....Vantage 4.0

Not sure if this was mentioned, Alliant credit union provides VS 4.0 (I believe it is from TU)

 

(Click image to enlarge)(Click image to enlarge)

Message 17 of 24
GatoradeZeroGuy
Valued Contributor

Re: Can you help me....Vantage 4.0

Jovia fcu offers monthly TU Vantage 4.0 without a credit product

Starting FICO 8:

Current FICO 8:

1/6, 5/12, 12/24




Message 18 of 24
markbeiser
Established Contributor

Re: Vantage 4.0 Sources


@GatoradeZeroGuy wrote:

Is certain Syncrony Bank cards the only way currently to get access to Vantage 4.0 scores? 

 

Are there other sources?


NASA FCU gives a monthly update on the EX Vantage 4.0 score.
I've no idea if they use it for lending decisions.

Back to gardening until Late February 2025.

Current FICO8:
Message 19 of 24
Zoostation1
Established Contributor

Re: Vantage 4.0 Sources


@markbeiser wrote:

@GatoradeZeroGuy wrote:

Is certain Syncrony Bank cards the only way currently to get access to Vantage 4.0 scores? 

 

Are there other sources?


NASA FCU gives a monthly update on the EX Vantage 4.0 score.
I've no idea if they use it for lending decisions.


Good to hear someone besides Synchrony offers it.  Nonetheless, my opinion (and I don't think anything could change my mind) is that if it's going to be used in mortage decisions (as it has been approved for federally), there absolutely must be a way to obtain the scores without relying on having certain specific accounts with Synchrony (Venmo Visa doesn't provide it it fwiw) or NASA FCU (or any other CU for that matter).  If the general public has no way to obtain the scores whether free or by purchase, I don't believe it should be permitted for use in mortgage lending decisions (if i had my way that would been a mandatory condition of being approved by FHA for mortgage usage).

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
Feb 2024 FICO 8:
Feb 2024 FICO 9:
Message 20 of 24
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