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Some TU Vantage Weirdness

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Established Member

Re: Some TU Vantage Weirdness

Last week I was notified by FICO that my Transunion score dropped by 65 points. I cannot find any changes in my TU file and there has been no change in the Experian or Equifax. Very strange.

Message 11 of 15
Super Contributor

Re: Some TU Vantage Weirdness


@sandcatcher wrote:

Last week I was notified by FICO that my Transunion score dropped by 65 points. I cannot find any changes in my TU file and there has been no change in the Experian or Equifax. Very strange.


A 65 point drop is significant, indicative of a significant profile change.  You'll definitely want to find what it is. 

Message 12 of 15

Re: Some TU Vantage Weirdness

Sorry-i can’t quote on mobile. I’m responding to checking dates on denials. I haven’t seen the date for the score in the letters. I do know that the scores that have been listed in my denial letters tracked fairly closely with my FICO8 until July/August. My June denials had a 700+ score, the late July/August denials have the 630. That’s what makes me think perhaps they are actually using the Vantage? Who knows. My FICO hasn’t been 630-something in 12 months (and I have gotten denials from Synchrony since then using newer scores).
Message 13 of 15
Valued Member

Re: Some TU Vantage Weirdness

The day I applied for an auto refi my TU VS3 score was 590. The score on my approved loan application was 721. VS3 is garbage and I wish people (and lenders) would just ignore it.
FICO8 - 8/31/19
FICO9 - 8/31/19
Message 14 of 15
Established Contributor

Re: Some TU Vantage Weirdness


@SilverSmith wrote:

@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.


No. They can't - SPs aren't visible except to YOU, and cannot factor into scoring.

 

EQ8:850 TU8:850 EX8:850
EQ9:850 TU9:850 EX9:850
EQ5:809 TU4:789 EX2:819 - 2019-09-06
Message 15 of 15
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