Hey y'all,
Apologies if discussed previously. Short on time to do an in depth search, but there is no need to fully respond if the answer exists in another thread, I'll be happy with the links.
So, new to learning about the intricacies of credit, but I do have about a 100pt difference between credit scores calculated with VantageScore 3.0 (CK) and FicoScore8 (Experian). I was able to determine that it seems it's because Vantage scoring is factoring a 17-year long line of credit from a Citibank card in which I am not the primary account holder, and although Fico recognizes this account as revolving credit, it doesn't recognize the longevity of this line of credit.
I am wondering if there may be a mistake somewhere in Citibank reporting, or if the difference is simply that Fico scoring only factors accounts in which you are the primary account holder, and Vantage uses everything. Thanks for any help!
-Josey
