CONFUSION ABOUT CREDIT SCORE & who approves with vantage scores?

[Anonymous]

I have recently got my vantage credit score up about 30 something points in the last month. but how does that translate to fico scores?

I am not sure of the best place to check my fico score or if myfico is the only place, but I need a comparison to this vantage score.

my vantage score is showing 623. I am excited about that. but which companies (loan or credit) use vantage scores only for approvals?

also any recommendation on which of those companies should I approach with a vantage score of 623?

Thanks!

[Anonymous]

I don't know who uses Vantage scores, but I can tell you from experience that you can't predict your Fico scores from it. Creditchecktotal has a 7 day trial for $1 and will show you your Fico 08 scores for all 3 CRAs.

[AutoBot]

Yah get your real FICO scores from CCT.

[JayTee1]

I've applied for many credit cards over the last three years, some approved, some denied.  Not one of them used a Vantage score to make a decision.

[Anonymous]

There has been talk that CapOne uses a vantage score, but that is the only time I have EVER heard of it maybe even possibly being used

[Anonymous]

Cap1's newly branded "Credit Tracker' uses Vantage Score 3.0 for that service. But I have read here that they use different scoring models for subprime vs. prime also, but neither of those are VS3.0. 

[Anonymous]

Thanks everyone. I did check CCT and my scores are EX: 614 TU: 577 EX: 613.

Any idea which companies offer a higher line of credit with my scores?

[EAJuggalo]

You can get in with Capital One with those scores and they will grow in a year or two.  But I'd be very surprised if anyone gave much of a limit with those scores without a previous good relationship.