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Vantage vs fico

Regular Contributor

Vantage vs fico

Found this on google



VantageScore is a consumer credit rating product developed by the top three credit bureaus, Equifax, TransUnion, and Experian, in 2006 as an alternative to the FICO score, created by the Fair Isaac Corporation in 1989.


If that is the case, then why is the score different when you go to the actual site.

Capital One uses vantage and claims they get the score right from TransUnion.

Credit karma uses vantage and claims they get the score right from transUnion.

Then why are the scores different.

Message 1 of 4
Frequent Contributor

Re: Vantage vs fico

They all use different versions. Same reason fico 8 scores are all different, mortgage etc. Each company has their version slightly tweaked for them.


Message 2 of 4
Regular Contributor

Re: Vantage vs fico

It's an entirely different Vantage model.  My score on Capital One is always WAY off from my Credit Karma scores.

Message 3 of 4
Community Leader
Mega Contributor

Re: Vantage vs fico


A credit score is a point-in-time (attempt at a) representation of ones credit profile, and credit profiles are dynamic datasets.  If you use the same model - in this case, Vantage 3.0 - on ones credit profile at 2 different times you can get 2 different results.  If you use different models, all bets are off.


Credit Karma and Capital One CreditWise both use Transunion as a data source but if there were relevant changes in between the times they each pulled the data even though they use the same Vantage 3.0 scoring model they can each report a different score.






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