Credit Score deficit 45 point

[Anonymous]

Is it possible for two different creditors to optain two different credit scores on the same day, from the same credit bureau (TransUnion)? 45 points diffrence. SunTrust Lightstream says 659 and Capital One 704 both scores optained from TransUnion on the same day. Why such a huge difference. Any input would be greatly appreciated.

[Ficoproblems247]

Suntrust is displaying your TU FICO score (I do not know which version they use,) and Cap1 is displaying VantageScore 3.0. Two completely different scoring models. I would disregard the VS, as FICO is generally the only score that matters to virtually all lenders. 

[OmarGB9]

As stated above, both scores may be for TU, but they're different versions. Vantagescore (which Capital One CreditWise provides);>, particular is very volatile and can vary greatly for many, sometimes by as much as 100 points or more.

[805orbust]

@OmarGB9 "volatile" is the understatement of the year.  Those thing are mind blowing in their fluctuations!

[babygirl1256]

That has happened to me also -and- I still don't understand the benefit of Vantage Score 3 if creditors use FICO . . . Even my EX and TU mailed credit scores reflect Vantage 3 . . . that can be confusing.

[Brian_Earl_Spilner]

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@babygirl1256 wrote:

That has happened to me also -and- I still don't understand the benefit of Vantage Score 3 if creditors use FICO . . . Even my EX and TU mailed credit scores reflect Vantage 3 . . . that can be confusing.

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VantageScore is more concerned with newer data, new apps, inquiries, and debt load than FICO. Any of those can make it look like the sky is falling. In my case, it's utilization. Carrying about 45% utilization drops them to sub-600 scores, having no debt brings them above 700.