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Vantage Puller List

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barrymc0904
New Member

Vantage Puller List

Yet to see a condensed list of lenders that pull Vantage forumed. Seen info scattered, but nothing easily locateable or readable all in one place, so here's one from my notes:

 

EXPERIAN

Broadview FCU (Vantage 3.0)

RBFCU (Vantage 4.0)

Petal (Vantage 3.0)

Wings CU (Vantage 4.0)

 

Can get free EX VANTAGE 3.0 Score from Nav.

 

TRANSUNION

Fifth Third (Vantage 3.0)

BMO (Vantage 4.0)

BCU / Baxter (Vantage 4.0) *will pull EX upon request over phone*

SSFCU / Security Service (Vantage 3.0)

Alliant (Vantage 4.0) *will pull EX if locked*

Jovia (Vantage 4.0)

Synchrony (Vantage 4.0) *includes Sams Club Biz*

Veridian CU (Vantage 3.0)

 

 

EQUIFAX

Upstart (Not sure if 3.0 or 4.0) *pulls TU8 as well*

 

_____

EDIT: Upstart moved from TU to EQ (typo)

32 REPLIES 32
Horseshoez
Valued Contributor

Re: Vantage Puller List


@barrymc0904 wrote:

Yet to see a condensed list of lenders that pull Vantage forumed. Seen info scattered, but nothing easily locateable or readable all in one place, so here's one from my notes:

 

EXPERIAN

Broadview FCU (Vantage 3.0)

RBFCU (Vantage 4.0)

Petal (Vantage 3.0)

Wings CU (Vantage 4.0)

 

Can get free EX VANTAGE 3.0 Score from Nav.

 

TRANSUNION

Fifth Third (Vantage 3.0)

BMO (Vantage 4.0)

BCU / Baxter (Vantage 4.0) *will pull EX upon request over phone*

SSFCU / Security Service (Vantage 3.0)

Alliant (Vantage 4.0) *will pull EX if locked*

Jovia (Vantage 4.0)

Synchrony (Vantage 4.0) *includes Sams Club Biz*

Veridian CU (Vantage 3.0)

Upstart (Vantage 3.0)


Two questions:

  1. What is the source of this list?
  2. Are you sure the list of financial institutions use either version of Vantage for underwriting decisions?
I categorically refuse to do AZEO!
Message 2 of 33
barrymc0904
New Member

Re: Vantage Puller List


@Horseshoez wrote:

@barrymc0904 wrote:

Yet to see a condensed list of lenders that pull Vantage forumed. Seen info scattered, but nothing easily locateable or readable all in one place, so here's one from my notes:

 

EXPERIAN

Broadview FCU (Vantage 3.0)

RBFCU (Vantage 4.0)

Petal (Vantage 3.0)

Wings CU (Vantage 4.0)

 

Can get free EX VANTAGE 3.0 Score from Nav.

 

TRANSUNION

Fifth Third (Vantage 3.0)

BMO (Vantage 4.0)

BCU / Baxter (Vantage 4.0) *will pull EX upon request over phone*

SSFCU / Security Service (Vantage 3.0)

Alliant (Vantage 4.0) *will pull EX if locked*

Jovia (Vantage 4.0)

Synchrony (Vantage 4.0) *includes Sams Club Biz*

Veridian CU (Vantage 3.0)

Upstart (Vantage 3.0)


Two questions:

  1. What is the source of this list?
  2. Are you sure the list of financial institutions use either version of Vantage for underwriting decisions?


Hours of researching latest DPs. My vantage scores are significantly higher than my highest FICO so it was necessary.

 

Very certain on list accuracy, of course a lender is free to use whatever they want at any given time, for example WINGS CU has historically used EX2 for underwriting but has recently switched to Vantage.

 

Only uncertainty I'd have when reviewing this list, is Upstart actually references a EQ Vantage score, not TU. They do however, reference a TU8 FICO score along with a EQ Vantage, but i'll update my list right now to reflect such.

Message 3 of 33
GatoradeZeroGuy
Valued Contributor

Re: Vantage Puller List


@Horseshoez wrote:

@barrymc0904 wrote:

TRANSUNION

Alliant (Vantage 4.0) *will pull EX if locked* didn't know about that, cool

Jovia (Vantage 4.0) they offer soft-pull pre-approvals and provide your Vantage 4.0 TU score with only a savings 

image.png

https://www.jovia.org/personal-banking/tools-resources/promotions 

Synchrony (Vantage 4.0) *includes Sams Club Biz* I wish you could business app online

 


Two questions:

  1. What is the source of this list?
  2. Are you sure the list of financial institutions use either version of Vantage for underwriting decisions?

 

Starting FICO 8:

Current FICO 8:

1/6, 5/12, 12/24




Message 4 of 33
coldfusion
Community Leader
Mega Contributor

Re: Vantage Puller List

I spotted an inconsistency (Alliant) with the existing crowdsourced thread in General Credit https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/63797...

 

I do not know which entry is correct, only that they aren't the same.

(2/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 5 of 33
CreditCuriosity
Moderator Emeritus

Re: Vantage Puller List

A lot of those institutions might provide that to consumers to see although likely don't use that for lending decisions as cheap to provide vantage scores to consumers vs. ficos and they try to sell it as value added.  Vantage scores are usually always going to be higher than FICOs for the most part although Vantage 4.0 might reflect more close to FICOS, but many factors go into this.  Just due to the score number being higher than FICO really means nothing if they as mentioned use FICO or internal scoring methods for approvals and account maintenance.

Message 6 of 33
Horseshoez
Valued Contributor

Re: Vantage Puller List

@CreditCuriosity, my thoughts exactly.

 

@barrymc0904, how have you assembled this list?  Did you contact each financial institution and specifically ask them which credit score they use for underwriting?

I categorically refuse to do AZEO!
Message 7 of 33
coldworld
Regular Contributor

Re: Vantage Puller List

Definitely going to need to some other data points to validate this information.
3B Scores 02/2024

----

Message 8 of 33
Brian_Earl_Spilner
Credit Mentor

Re: Vantage Puller List


@Horseshoez wrote:

@CreditCuriosity, my thoughts exactly.

 

@barrymc0904, how have you assembled this list?  Did you contact each financial institution and specifically ask them which credit score they use for underwriting?


More than likely gathered from people posting and/or personal experience. The problem though is even if proof is submitted, if it goes against the grain, people will still dismiss it. For example, I used to work at chase. Despite saying they pull vantagescore, nobody believes me. Which is fine since how do you know if someone really works for who they claim, online. But I posted photos in the past of the reports chase has pulled as well as my southwest denial where I was denied for vantagescore along with screenshot of my vantagescore. Even reconed and confirmation from analyst. People still won't accept it. Was told I was mistaken. What can you do?

 

Personally, I just add things like this to my list of datapoints and remember a lender can pull all variations of credit scores and will use whatever suits them, which is what chase does. They can use vantagescore, fico 8, auto, cars, whatever they want to justify their decision. For my last auto loan with chase they pulled 3 different fico scores. My last loan with LFS the dealer pulled all that could be used and chose my highest score to get the approval. It just depends on the lender and analyst looking at the data.

    
Message 9 of 33
Zoostation1
Established Contributor

Re: Vantage Puller List


@CreditCuriosity wrote:

A lot of those institutions might provide that to consumers to see although likely don't use that for lending decisions as cheap to provide vantage scores to consumers vs. ficos and they try to sell it as value added.  Vantage scores are usually always going to be higher than FICOs for the most part although Vantage 4.0 might reflect more close to FICOS, but many factors go into this.  Just due to the score number being higher than FICO really means nothing if they as mentioned use FICO or internal scoring methods for approvals and account maintenance.


My VS3.0 (TU an EQ, I don't have an EX source currently) have tracked pretty close to my FICO 8.  For TU they're the same and right now EQ8 is 10pts lower, but is generally within 10 pts one way or another.  They VS3.0 scors are consistently lower than my FICO 9 however.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
Feb 2024 FICO 8:
Feb 2024 FICO 9:
Message 10 of 33
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