Huge differences between vantage and fico in transunion after applying for apple card

[Anonymous]

Hi,

Every couple months I try for the apple card since it doesn't do a hard credit pull. It will tell you your transunion score. Mine keeps on going down yet on credit karma it keeps going up. I know there will always be a difference but now the difference is 120 points? !

Also in the denial from goldman saks it says one of the reasons is too many credit inquiries and I only have one. Some of the other reasons don't sound like my account either. Anyone had anything similar happen to them?

[Jnbmom]

Vantage scores from CK and other free sites are not FICO . You can do a search on these boards regarding this .

FICO scores are what you need to worry about not vantage are these are not used by most lenders .

[thornback]

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@Anonymous wrote:

Hi,

...one of the reasons is too many credit inquiries and I only have one. Some of the other reasons don't sound like my account either. Anyone had anything similar happen to them?

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When was the last time you pulled your full credit reports (and I don't mean from Credit Karma or any other such app)?   If you haven't done so recently, you should pull your reports from annualcreditreport.com and review them since there seems to be some discrepency between what creditors are seeing and what you believe to be.  These reports are the most comprehensive version of reports you can get - second to the paper hard-copy formats and they are free to pull.  If there is information that is innaccurate then you need to know about it so you can take the necessary steps to rectify. 

As you know, Credit Karma provides Vantage 3 scores which are not comparable to FICO.  While some only see small differences between the score models, others see very large differences of +/-100 points.   This can be for a multitude of reasons for the scrore gaps as Vantage and FICO weigh various aspects of your credit differenty.   That said, FICO is the score the majority of lenders use to make credit decisions.

Welcome to the forums.

[Anonymous]

Thanks. I know they aren't fico but when comparing the two scores they have always been within 20-30 points of each other so I was a bit surprised with something so high

[thornback]

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@Anonymous wrote:

Thanks. I know they aren't fico but when comparing the two scores they have always been within 20-30 points of each other so I was a bit surprised with something so high

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It happens.  I started with close FICO and Vantage scores too (with Vantage often being higher)... but as time went on and my FICO scores improved - and I went from having a derogatory to zero derogatories - the gap widened tremendously.  My Vantage scores are now, on average, about 60 points lower than FICO - 70 points lower on TU. So...go figure.  My Vantage scores are also super volatile - they seem to rise and fall drastically with report changes while FICO barely budges.

We don't spend much time analyzing how the Vantage scoring system works so we can't offer up reasons or suggestions like we do with FICO... it just kinda is what it is for now... unless/until Vantage becomes more widely used by lenders.