Vantage Score

[babbles]

I know the vantage score is not commonly used by lenders but  my score has "not" moved in months even though I continue to pay down my auto, installment, and mortgage balances what gives?  Who's in charge over there??  

[M_Smart007]

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@babbles wrote:

I know the vantage score is not commonly used by lenders but  my score has "not" moved in months even though I continue to pay down my auto, installment, and mortgage balances what gives?  Who's in charge over there??  

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In all seriousness, I would not pay attention to Vantage scoring model.

To me ...it is like panning for fool's gold

[FireMedic1]

Theres no one in charge. Vantage was created by Experian, Equifax, and TransUnion in 2006. Welcome to MyFICO!

Bigger things in life to wonder about than a Vantage score. Unless its Sync.

[babbles]

Yeah, you're right, waiting on 3 FICO 8 points from TU

[Brian_Earl_Spilner]

Vantagescore simply weighs credit differently. Unfortunately, we don't have any in depth analysis here as most people tend to mock it rather than consider it the fico competitor that it was designed to be. 

[805orbust]

Just checked CK yesterday for the first time in a year... full 65-80 point difference between Fico8 and VS3.  Laughable. Although I went nuts the last 6 weeks... bad boy 🤣

[babbles]

Whoa!

[Kforce]

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@805orbust wrote:

Just checked CK yesterday for the first time in a year... full 65-80 point difference between Fico8 and VS3.  Laughable. Although I went nuts the last 6 weeks... bad boy 🤣

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My vantage are 10 points less than real Fico 8's and almost a carbon copy of Fico Bankscore 9's.

Vantage scores only move +/- (4-5) monthly, with different utilization and # of cards reporting.

For me just another score very close to the real ones.

[Horseshoez]

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@Kforce wrote:

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@805orbust wrote:

Just checked CK yesterday for the first time in a year... full 65-80 point difference between Fico8 and VS3.  Laughable. Although I went nuts the last 6 weeks... bad boy 🤣

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My vantage are 10 points less than real Fico 8's and almost a carbon copy of Fico Bankscore 9's.

Vantage scores only move +/- (4-5) monthly, with different utilization and # of cards reporting.

For me just another score very close to the real ones.

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As I'm months away from any new credit moves, I've cancelled my myFICO plan, but for me at least, Vantage 3.0 scores are a tad optimistic compared to my FICO 8 score, but like you mentioned, pretty close to my FICO 9 score; consider the following (scores as of today):

• FICO:
  • FICO 8: 764 (provided by Experian)
  • FICO 9: 791 (provided by PenFed, not sure which Credit Bureau this is pulled from)
• Vantage 3.0:
  • EQ: 785 (provided by CreditKarma)
  • EX: 773 (provided by Chase Credit Journey)
  • TU: 790 (provided by CreditKarma)

[Jnbmom]

Mine hasn't updated since April 30. Updated daily my behind 😂