That's awesome.
@Anonymouswrote:Holy stuffin! You guys are great.
So I got my FICO Scores and they are in the Very Good to Excellent range. So much for Credit Karma.
so..nevermind!
@Anonymous welcome to the forums. Yes, as others have stated the Vantage 3.0 scores can be all over the place and are not FICO scores. The only creditor I have run into that doesn't use some version of a FICO score (there are MANY versions, but FICO 08 is the most common) is the Kohl's card which is serviced by Capital One (apparently using the Vantage 2.0 model). Others have reported landlords and payday lending companies using Vantage 3.0.
The only way you could lose 200 points on FICO would be to become seriously delinquent on your accounts. My Vantage 3.0 scores are all in the low/mid-600s because there are factors (new accounts, high utilization) that that particular scoring model doesn't like. My FICO 08 scores, on the other hand, are usually in the 730s and 740s, which qualifies me for pretty much anything I want. On the flip side of the coin, sites like Credit Karma exist because they get commissions when you apply for cards via their site, and there are many instances where people can be astonished that they were turned down for that Citi or Chase card they had "excellent odds" of being approved for with their "780" credit score, when in fact their FICO scores are 100 or more points lower.
Glad you got it sorted out, and a free monthly FICO 08 score using TransUnion can be obtained from Discover at creditscorecard.com
Yay you!!!!
Now that you know the difference between FAKO (Fake---OHhhh)... and FICO.....
What were your FICO scores....
Your keeping us in suspense!
-J
Thank you for clarifying that. I made another post today and realized that typo when I mentioned that BoA and Discover give cardholders monthly TU FICO 08 scores; then got distracted and forgot to come back here to edit. Good to know on the creditscore.com as well!