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Vantage 3.0 - what?

Community Leader
Super Contributor

Re: Vantage 3.0 - what?

Yeah, I don't understand how these bureaus are scoring. Paid off a huge chunk of debt and got an almost 30 point loss on tu, but gained 10 on EQ. I understand that they weigh things differently as well as omit certain things that FICO includes, but I don't think anyone will understand vs until people start caring to gather datapoints. It actually might be an entertaining thread in scoring, if somebody wanted to start gathering datapoints.

Message 11 of 12
Super Contributor

Re: Vantage 3.0 - what?

DaveinAZ I was really referring to FICO, as I thought he was, but for vantage 3 you’re about right! 😂
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.






Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 12 of 12
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