Make sure you are looking at Ficos, the free sites like Credi Karma, Nerdwallet, etc, use the Vantage 3 model, no lenders use that.
There are some posts on here about how Synchrony sometimes uses a Vantage 4.0 I believe. I've read more than once that they use a different scoring system and I believe the score they gave me was a Vantage as well, it didn't match my FICO score.
If you're getting it from TU directly, dig around and you'll see they use a Vantage 3.0 score. Meanwhile, Synchrony uses a Vantage 4.0 score. They both use the *information* contained within your TU report, yes, but they are different scoring models with items weighed differently.
@OmarGB9 wrote:If you're getting it from TU directly, dig around and you'll see they use a Vantage 3.0 score. Meanwhile, Synchrony uses a Vantage 4.0 score. They both use the *information* contained within your TU report, yes, but they are different scoring models with items weighed differently.
This right here.
Also... If you were to be looking at your Equifax off of their website, that also shows you a Vantage 3.0
FICO is the Fair Isaac Corp. The three CRA's use FICO's software program and add their own algorithms and there's you scores within federal laws from the FRCA on how they operate. This is why they all dont match. And you've seen how one CRA treats one thing that the other wont treat it the same way.
