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FICO Score vs VantageScore 3

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New Contributor

FICO Score vs VantageScore 3

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.

Message 1 of 4
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Contributor

Re: FICO Score vs VantageScore 3

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

 

 

Message 2 of 4
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Valued Contributor

Re: FICO Score vs VantageScore 3

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...
Sept 2020: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $42.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $19.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $277K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 3 of 4
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New Contributor

Re: FICO Score vs VantageScore 3

*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
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