FICO Score vs VantageScore 3

SquidBilly · ‎02-19-2015

Just some info to share -
-All info based on same TU Report.
-My Total Available Credit increased to $51,200 (+$6,100 Amex CLI)
-My Utilization increased from 9% to 12%
-My FICO went from 774 to 768 (-6 pts)
-My VantageScore 3 went from 741 to 701 (-40 pts)
Just wanted to throw it out there for your enjoyment!
-Paul

Edit: My Total Available Credit is actually $54,000. Waiting for CLI on two cards (Discover & Citi) to show up.

joshall · ‎02-19-2015

Wow, so 40 point reduction in VantageScore 3 (I assume it is by CK) when the UTIL up from 9% to 12%?

EW800 · ‎02-19-2015

Thanks for sharing! Sure looks like Vantage 3.0 does not care for going over 10%.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

SquidBilly · ‎03-06-2015

*Udate*
Just pulled my VantageScore 3 (CK). Information basically the same as far as Utilization (12%) and my VantageScore 3 is now 751. An increase of 50 pts. Guess they have a glitch.
-Paul