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@Anonymous wrote:
@MercyMe wrote:True Link, by TU, provides the Vantage score and uses the Vantage scoring model -- I found out today, when they sent me what I thought would be my TU scores.
Do you have a link where someone can actually purchase their TU Vantage score? I could only find general info when hunting around the True Link site, and clicking on the Product link there only sent me to the TrueCredit corporate site.
@MercyMe wrote:
Hey, hey! Sorry for the delay. Busy, busy, yesterday -- but here's what I found out -- there is no link to this particular service from TU. I obtained it by calling TU about another matter and the rep suggested I purchase this particular monitorring service, which is provided only by mail. You can't access it online. It I were you, though, I wouldn't bother paying the $9.95 a month that it costs, because you have to wait for your alerts in your mailbox, though you can call, any time, and request an updated report, which takes about 7-10 days to arrive. CAN'T WAIT TO GET OUT OF THIS ONE, THEN, HUH?;0)
Generally speaking, the FICO Expansion score analyzes non-traditional credit data. Examples of such data include deposit account records, pay day loan cashing, and purchase payment plan performance.
my question; why not consider those things in the regular Score, "deposit account records" sounds a tad scary to me, sounds like they'll know how much you keep in th bank? payday loans purchase payment plans I'll go for
rbbyrbsn wrote:Fair Issac is luaching it's own thin file score
@Anonymous wrote:
@MercyMe wrote:
Hey, hey! Sorry for the delay. Busy, busy, yesterday -- but here's what I found out -- there is no link to this particular service from TU. I obtained it by calling TU about another matter and the rep suggested I purchase this particular monitorring service, which is provided only by mail. You can't access it online. It I were you, though, I wouldn't bother paying the $9.95 a month that it costs, because you have to wait for your alerts in your mailbox, though you can call, any time, and request an updated report, which takes about 7-10 days to arrive. CAN'T WAIT TO GET OUT OF THIS ONE, THEN, HUH?;0)
Thanks for the info. I have no intention of buying it - I was just curious. There were a ton of stories posted in 2006 stating that the Vantage Score would be available from all 3 CRAs by the end of 2006, but it appears that Experian is the only one who makes it available online at this time. (My guess is Experian was probably the driving force behind developing the Vantage Score, and persuaded the other two CRAs to jump on the bandwagon).
The consensus seems to be that mortgage lenders would be the least likely market segment to adopt Vantage Score, because there is really nothing new in the Vantage methodology, and Fair Isaac have far more extensive experience in risk prediction modeling. Nearly the same opinion regarding auto lenders. Perhaps a couple of CCCs might try it, just to be different and/or save a few bucks. There have been a few reports that MBNA or AGF were using it, but no real confirmation that I could find. I'd be interested to know if Wells Fargo's alleged use of the Vantage Score is complete, or restricted to their banking division or their CC division or their mortgage division. It seems like that is news Vantage would want to brag about, but I can't find any confirming stories.
Bobcat54 wrote:My understanding is Vantage also has their own score range. FICO"S is 400 to 850 or something like that Vantage's go much higher. Comcast must use them. When I signed up yesterday I asked the csr what my score was and she said 971? I didn't think that was possible?