Vantage vs fico

[Ramsport]

Found this on google

VantageScore?

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.

[tnhomestead]

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

[jrwa81]

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

[coldfusion]

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.