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My credit score is staying the same but my vantage score keeps going up?

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Anonymous
Not applicable
‎10-23-2012 09:29 AM
‎10-23-2012 09:29 AM

My credit score is staying the same but my vantage score keeps going up?

Hello I have a question. 2 weeks ago I got 2 negative marks from at t on my credit report, since then my credit score has dropped 50+ points but my vantage score keeps rising. Can someone explain to my how this is happening? Thanks in advance.

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Jutz
Valued Contributor
‎10-23-2012 10:24 AM
‎10-23-2012 10:24 AM

Re: My credit score is staying the same but my vantage score keeps going up?

Ignore the scores, as I assume they are coming from CreditKarma.  Neither of these are FICO.  You'll want to check all three bureaus for the negative mark to make sure it is reporting to all of them.  After you do that, you need to deal with the issue.  I assume it's a collection account.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
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Shogun
Moderator Emeritus
‎10-23-2012 11:09 PM
‎10-23-2012 11:09 PM

Re: My credit score is staying the same but my vantage score keeps going up?

+1  Those are FAKO scores and basically they are worthless.  Get your CR cleaned up a bit.  Can you PFD these new accounts?

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July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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