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Vantage Scoring........What Nonsense!

fused
Moderator Emeritus

Vantage Scoring........What Nonsense!

Checked my Vantage score at Experian's website and to my surprise, it was a lousy 823.  This translates into a "B" grade.  Also checked my Fico scores and they were, TU 798, EQ 789,  EX 755.
What is with the discrepancy btw Fico and Vantage Scoring.  Anyone experience this?
Message 1 of 5
4 REPLIES 4
Brammy
Moderator Emeritus

Re: Vantage Scoring........What Nonsense!

There is no discrepancy only different scoring models.  You have an excellent score on any scale
Message 2 of 5
Noah_Bodie
Senior Contributor

Re: Vantage Scoring........What Nonsense!

Some folks report FICOs higher than their Vantage scores, but usually it's the other way 'round. Heck, your FICO scores won't even all be the same, but more than likely that on account of some creditors reporting to some bureaus but not all three.
Message 3 of 5
LadyFICO
Moderator Emeritus

Re: Vantage Scoring........What Nonsense!

I have it seems that the model used at two bureaus are different and in my case as well scores higher than those used at fico. I figure if you can get your fico where you want it almost nothing else matters.
Message 4 of 5
DionLawOffice
New Contributor

Re: Vantage Scoring........What Nonsense!

I figure if you can get your fico where you want it almost nothing else matters.
 
Yes, I agree because so far I cannot find any creditors that even use Vantage scores to determine a borrower's risk.
Message 5 of 5
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