Hey everyone! I know there is always a lot of talk around accuracy of CK's Vantage 3.0 score, and I just wanted to give my personal results.
I am refinancing my house, so these scores were pulled first-hand by an actual lender.
Equifax: Fico Classic V5 Facta (Beacon 5.0)
-3 points higher than CK's Vantage 3.0
Transunion: Fico Classic 04
-10 points higher than CK's Vantage 3.0
Experian: Fair Isaac Ver. 2
-Experian not listed on CK. When referring to the mortgage credit report only, my Experian was 12 points higher than Equifax and 5 points higher than Transunion.
Hope this helps! And as always, YMMV 
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@Anonymous wrote:Hey everyone! I know there is always a lot of talk around accuracy of CK's Vantage 3.0 score, and I just wanted to give my personal results.
I am refinancing my house, so these scores were pulled first-hand by an actual lender.
Equifax: Fico Classic V5 Facta (Beacon 5.0)
-3 points higher than CK's Vantage 3.0
Transunion: Fico Classic 04
-10 points higher than CK's Vantage 3.0
Experian: Fair Isaac Ver. 2
-Experian not listed on CK. When referring to the mortgage credit report only, my Experian was 12 points higher than Equifax and 5 points higher than Transunion.
Hope this helps! And as always, YMMV
Good to know -- thanks for sharing.
@Anonymous wrote:Hey everyone! I know there is always a lot of talk around accuracy of CK's Vantage 3.0 score, and I just wanted to give my personal results.
I am refinancing my house, so these scores were pulled first-hand by an actual lender.
Equifax: Fico Classic V5 Facta (Beacon 5.0)
-3 points higher than CK's Vantage 3.0
Transunion: Fico Classic 04
-10 points higher than CK's Vantage 3.0
Experian: Fair Isaac Ver. 2
-Experian not listed on CK. When referring to the mortgage credit report only, my Experian was 12 points higher than Equifax and 5 points higher than Transunion.
Hope this helps! And as always, YMMV
Just for grins if you wish, you can sign up at Credit.com(free) and get your VantageScore 3.0 like you do at CK
When you log in, they will have another Experian score in the upper left corner, but if you click on 'Other Scores', up will pop the Vantage Score. Hope this helps.
@takeshi74 wrote:
@Anonymous wrote:Hey everyone! I know there is always a lot of talk around accuracy of CK's Vantage 3.0 score
All scores are accurate but only for their own model. You cannot use a score generated by a model to determine a score generated by a different model even if both models are FICO's. You should expect different algorithms to produce different results. If two different models are the same or close it's coincidental, not causal.
Futher, VantageScore doesn't market their score as a tool for approximating FICO's. They claim it is more predictive than any of other model but of course they would considering that they're trying to make it an industry standard.
@Anonymous wrote:I am refinancing my house, so these scores were pulled first-hand by an actual lender.
And keep in mind that creditors do not all use the same scoring model or CRA.
I should have clarified. My goal was to compare the Vantage scores produced by CK to the fico scores that many lenders will use. I understand they are not marketed to be the same, but often someone looking to finance a large purchase (such as a home) will only base their creditworthiness on their scores from a site like CK before visiting an actual lender. My goal was to simply compare the two .