My VantageScore 4.0 is about 50 points lower than my FICO 8 - Should I be Worried?

[sjt]

Where did you all get your Vantage 4.0 scores?

[Anonymous]

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@sjt wrote:

Where did you all get your Vantage 4.0 scores?

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If you have a synchrony card, credit or store, it's the score they provide you.  Not really sure which online free scores are, but i believe CK, Wallethub and the like are VS3.0 

[Anonymous]

OP Where did you get your VS 4.0? I’m assuming it wasn’t from synchrony since you asked if any lenders were using it?

And if you just made recent pay downs, it may not have posted before you got that score. Remember utilization is even more important in VS and it penalizes you when you carry large balances long periods is my understanding. It likes to see paydowns and I believe it rewards you for them. So, the whole point so you may have a better score once that posts.

Think of it this way, VS knows you just made a pay down, FICO doesn’t. VS may reward you for that paydown. FICO would just calculate from whatever the percentage is.

[sjt]

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@Anonymous wrote:
OP Where did you get your VS 4.0? I’m assuming it wasn’t from synchrony since you asked if any lenders were using it?

And if you just made recent pay downs, it may not have posted before you got that score. Remember utilization is even more important in VS and it penalizes you when you carry large balances long periods is my understanding. It likes to see paydowns and I believe it rewards you for them. So, the whole point so you may have a better score once that posts.

Think of it this way, VS knows you just made a pay down, FICO doesn’t. VS may reward you for that paydown. FICO would just calculate from whatever the percentage is.

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+1 
In addition VS 4.0 uses trended data so they look at overall payment history, i.e. the amount of the payment for a period of time.

[Anonymous]

Yes trended data is what I was referring to when I said VS4 might reward him for the paydown.