Vantage 4.0 
What's affecting your credit score
Too high proportion of accounts recently opened
Lack of real estate secured loan information
@Anonymous wrote:Just refreshed mine.
705.
1) Too high proportion of accounts recently opened (totally true)
2) Lack of real estate secured loan information (yep totally true too)
What can you do when you seek all the credit? 🤷♂️
Seek More
@M_Smart007 wrote:
@Anonymous wrote:Just refreshed mine.
705.
1) Too high proportion of accounts recently opened (totally true)
2) Lack of real estate secured loan information (yep totally true too)
What can you do when you seek all the credit? 🤷♂️Seek More
Bad influence... 
@Jnbmom wrote:Gotta love their reasoning , my score just updated 773.
Reasons :
Inquiries ( guilty as charged)
Too many bankcards with high balance HECK NO I am sitting at 2% utilization
Gotta love scoring , although I don't care about vantage one bit, just find the 2nd reason absurd.
I get that "Too many bankcards with high balance", but I'm very naughty, I'm at a whopping 9% util.
But where do you get your Vantage 4 score, Synchrony? I get mine on both Sync PayPal MC & Lowes. But when Synchrony used Fico 8 it updated monthly with my TU locked. With Vantage 4 I have to unlock my TU, unsubscribe from credit score on Synchrony, and then re-subscribe to get an update. I haven't bothered since November, too much bother for a useless score. I do wish Credit Karma would upgrade to Vantage 4, better for my blood pressure . . . I swear if my CC balances increase by $100 out of $150k+ in credit lines it drops my Vantage 3 score by 10 points. 