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Some TU Vantage Weirdness

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Some TU Vantage Weirdness

Almost put this in the smorgasboard because I don’t want i t taken too seriously - I am not obsessing over Vantage scores. 

 

Yesterday I looked at September 1 scores.  Wallethub shows I LOST 65 points in one day from 656 to 591 on TU Vantage 3.

 

No other scores (TU FICOs, EX Ficos, TU Vantage 4s)  saw a change like this.)

 

I have not dug in to see if there is data behind the drop, I will do that in a couple days when I do a comprehensive pull and review and have more time.  I almost think there is a data issue with TU or Wallethub or something, but on the other hand I had one new account and a new TU INQ in Sep which V3 may have pushed over a hate threshold.

 

TU Vantage 3: 591

TU Vantage 4: 659

 

Weird.

050719:     
090419:     

A regretful expert. I have repaired before, I will repair again. My current goal is 670 FICO08 across the board by November 2019.
Message 1 of 16
15 REPLIES 15
Senior Contributor

Re: Some TU Vantage Weirdness


@BallBounces wrote:

Almost put this in the smorgasboard because I don’t want i t taken too seriously - I am not obsessing over Vantage scores. 

 

Yesterday I looked at September 1 scores.  Wallethub shows I LOST 65 points in one day from 656 to 591 on TU Vantage 3.

 

No other scores (TU FICOs, EX Ficos, TU Vantage 4s)  saw a change like this.)

 

I have not dug in to see if there is data behind the drop, I will do that in a couple days when I do a comprehensive pull and review and have more time.  I almost think there is a data issue with TU or Wallethub or something, but on the other hand I had one new account and a new TU INQ in Sep which V3 may have pushed over a hate threshold.

 

TU Vantage 3: 591

TU Vantage 4: 659

 

Weird.


Vantage 3 did'nt work, so let's bounce another ball and see if Vantage 4 is any better?, Get prepared for Vantage 5, 6&7Smiley Surprised

 

#FakoHateThreshold

 

Message 2 of 16
Established Contributor

Re: Some TU Vantage Weirdness

Yep.

 

Assuming there is nothing wonky in the data, it shows another weakness in all the current models I am aware of (to at least some degree).  Nothing changes except a single calendar day and yet a score drops 65 points.  One second the scores is Z, literally the next second it is Z-65. 

 

Smiley LOL

 

 

050719:     
090419:     

A regretful expert. I have repaired before, I will repair again. My current goal is 670 FICO08 across the board by November 2019.
Message 3 of 16
Established Contributor

Re: Some TU Vantage Weirdness

Sep 4:  591

Sep 5:  613 (+22)

 

The only change is an added inquiry yesterday  from 7 to 8.   Smiley Wink

 

Seems Vantage 3 is micro date specific.   A new account might have aged to a month exactly on Sep 5?  V3 will give you whiplash.

 

 

050719:     
090419:     

A regretful expert. I have repaired before, I will repair again. My current goal is 670 FICO08 across the board by November 2019.
Message 4 of 16
Super Contributor

Re: Some TU Vantage Weirdness

V3 is the rapid cycling bipolar credit score. 😂 


Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 5 of 16
Regular Contributor

Re: Some TU Vantage Weirdness

Did you check for TU SPs?
~ This is Chess... It ain't Checkers!!! ~
Message 6 of 16
Established Contributor

Re: Some TU Vantage Weirdness


@SilverSmith wrote:
Did you check for TU SPs?

nope. 

 

I probably have a daily TU soft Pull.

 

 

050719:     
090419:     

A regretful expert. I have repaired before, I will repair again. My current goal is 670 FICO08 across the board by November 2019.
Message 7 of 16

Re: Some TU Vantage Weirdness

My last collection account was removed from my reports in May of this year. My FICO scores increased 20-50 points (TU was the big jump) where they still sit (or have increased).

My Vantage (3) DROPPED by 70. Where they still sit. My TU FICO was 706, Vantage 626.

Fur real, bro?

And I wouldn’t care at all but a couple of my Synchrony CLI denial letters have said my score is 630. Are they actually USING Vantage scores in addition to displaying them?
Message 8 of 16
Established Contributor

Re: Some TU Vantage Weirdness


@I_Love_Carbs wrote:
My last collection account was removed from my reports in May of this year. My FICO scores increased 20-50 points (TU was the big jump) where they still sit (or have increased).

My Vantage (3) DROPPED by 70. Where they still sit. My TU FICO was 706, Vantage 626.

Fur real, bro?

And I wouldn’t care at all but a couple of my Synchrony CLI denial letters have said my score is 630. Are they actually USING Vantage scores in addition to displaying them?

Check the dates of the scores on those denials too.

 

 

050719:     
090419:     

A regretful expert. I have repaired before, I will repair again. My current goal is 670 FICO08 across the board by November 2019.
Message 9 of 16
Regular Contributor

Re: Some TU Vantage Weirdness


@BallBounces wrote:

@SilverSmith wrote:
Did you check for TU SPs?

nope. 

 

I probably have a daily TU soft Pull.

 

Those frequent account reviews are like a slow drip on your CRs. Not sure if VS counts those or above a certain threshold.

 


 

~ This is Chess... It ain't Checkers!!! ~
Message 10 of 16
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