VantageScore - Credit Karma

[Anonymous]

I have a VantageScore question for all you fine folks in myFICO land.  I get the big three reports monthly from the sources listed in my sig but I also use Credit Karma to keep an eye on things.  I can see that the TU score is not exact (~20 points) but was leery of the VantageScore and wanted opinions on that.  If I was to believe the VantageScore they post, I am doing great as I am usually at the top or within a few points of the top, today it was 990 which is as high as it goes according to them.  Is there somewhere that you can get a real VantageScore or are they all "simulations"?

[ztnjpv]

Whatever Vantage score you are getting is the REAL Vantage score from TU. It is what it is. Why so interested? It's not very useful. 

[MarineVietVet]

I agree. The VantageScore from CK is the real deal.

[Anonymous]

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@ztnjpv wrote:

Whatever Vantage score you are getting is the REAL Vantage score from TU. It is what it is. Why so interested? It's not very useful. 

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Just wanted to know the validity of the score.  I have heard some other posts mention that VantageScore was used for an app. 

[MarineVietVet]

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@Anonymous wrote:

 

Just wanted to know the validity of the score.  I have heard some other posts mention that VantageScore was used for an app. 

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I know that Chase uses the VS to make some decisions. But the use of the VS is not widespread.

[Anonymous]

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@MarineVietVet wrote:

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@Anonymous wrote:

 

Just wanted to know the validity of the score.  I have heard some other posts mention that VantageScore was used for an app. 

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I know that Chase uses the VS to make some decisions. But the use of the VS is not widespread.

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Actually, now that I think about it the "Chase internal credit score" that was on my Chase Freedom welcome letter exactly matched my CK score.  All my FICO scores are about 50 pts lower.