I gotta laugh when it comes to credit karma & vantage

[Bill77]

PayPal Mastercard pulled Transunion FICO for me.  Just because the free score they give you with an account is from Vantage, doesn't mean that's what they use to for credit decisions.  I can't remember which one but there's another card company that gives you a free vantage 3.0 but the fine print explicitly tells you that's not the score used for credit decisions.  Vantage must be much cheaper so they use that on an ongoing basis as account freebie.

[mfinsmi1]

@Bill77amex and one of my CU cards gives out vantage 

[SweetCreditObsession]

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@D10001 wrote:

VantageScore's existed since 2006.  It's owned by the Big Three credit reporters.  It claims that more than 2,600 financial institutions, 9 of the 10 biggest banks and 43 of the largest 100 credit unions use it.

Has anyone applied for credit and gotten back information that the lender used a Vantage Score?

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I believe they use them...they share those scores with their customers. I'm skeptical that they use them for lending decisions.

[OmarGB9]

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@mfinsmi1 wrote:

@Bill77amex and one of my CU cards gives out vantage 

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Amex also give you your true FICO 8 EX (they provide both).

[mfinsmi1]

@OmarGB9 yes except for some reason i can only find a way to acess my fico score from the ios app but when i go to a desktop website i have no idea where the fico score is located