Vantage Score - do they not have buckets?

[Anonymous]

My very last collections fell off of Transunion and my score did not move. One of them was a bit over $100 and the other about $50. I think it's funny they are gone and my score is the same. Not that it really matters but it is curious.

[Anonymous]

My EQ has a judgement still showing and it's the almost  the  same as my EX score, which doesn't-everything else the same.  My TU is clean and has a much older average age of accounts, and it's the lowest of the three by a considerable amount.  Vantage is a strange bird for sure.  They definitely have some sort of byzantine bucketing system in play. 

[sarge12]

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@Anonymous wrote:

My very last collections fell off of Transunion and my score did not move. One of them was a bit over $100 and the other about $50. I think it's funny they are gone and my score is the same. Not that it really matters but it is curious.

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Collection accounts under 100 dollars are not even considered at all on most scoring models.

[Anonymous]

They state here that they have 13 scorecards:  https://www.vantagescore.com/images/resources/VantageScore3-0_WhitePaper.pdf

[Anonymous]

Were both collections ones you paid?  Vantage ignores paid collections -- of any amount.

[Anonymous]

The larger one was paid. That explains why my score didn't move!

[cuthatcard]

I had a medical collection fall off of EX and EQ. EX went up on FICO by about 85 points but ...I did add a CC too ! 

EQ...on Vantage had me at 728, with the same information.  When the medical fell off, my FICO was at 658, same information.  TU-FICO = 761, Vantage =693 ! Same info ! 

[Anonymous]

My FICO for Transunion just reported - it's up 50 points!! So I think I can live with the Vantage score not moving.

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@cuthatcard wrote:

I had a medical collection fall off of EX and EQ. EX went up on FICO by about 85 points but ...I did add a CC too ! 

EQ...on Vantage had me at 728, with the same information.  When the medical fell off, my FICO was at 658, same information.  TU-FICO = 761, Vantage =693 ! Same info ! 

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[Anonymous]

Good for you, CK.

[Anonymous]

On the Vantage front, something mildly amusing. I signed up for a month of Transunion to more effectively stalk my account changes for the next month. From yesterday to today, my score dropped 2 points. What changed, I wondered? So I do a comparison report. NOTHING is different except my old charged off, settled TXU account is off it now. Nothing else changed. Seriously? A charge off dropping off can lower your Vantage score? I'm glad this score is basically useless, much like Equifax's proprietary score, on which my score was over 100 points lower than my FICO 8!