Vantage is not FICO.. thats part of the reason why the big difference....
They use different metrics to calculate a score... There are a few places that use Vantage but most do NOT......
Know its not what you want to hear
Experian Fico 8 is a FICO score....
Also Discover logging in is a FICO TU score .....
So from what you just said...
Experian Fico 8 667, TU Fico 8 637,
So your FICO scores are in the 630s to 660s ..
Most of these scores direct from the CRA are Vantage unless otherwise stated... If its a "free FICO" its usually only once a month...
That Self Lender loan will help but you have to make a few payments for a bigger impact... give it a few payments/months.. (presuming this is your only loan) ..Yes you have to pay down the loan a bit before it really affects your score ...
THe lates should start to sting less with age... but lates over 60 days will sting more and longer.... Feel like the lates may still be suppressing your scores significently...
Others will hopefully chime in with more details.. but your partially confused because your comparing apples and oranges.... id add other difficulties like there are different flavors of FICO scores as well but you really cant compare Vantage to FICO but you have two known sources for Fico 8 scores... (No i havent found a free one for EQ).....
-J
ok thanks beginning to make sense now and i thought i was in good shape. here a snapshot of my Discover TU FICO 8 history (Discover account opened in April), i would have expected a higer score by now. the negatives on my report should be a ch 7 discharged October 2018 and late (30-60) payments for mortgage and cc aacounts from 2017/2018.
Still would not be surprised to see a small increase even next month... But that 60 day late hurts more than the 30 days... There also is a truth to aging of lates... Thing is VS scores are a bit more volitile and "current credit event" oriented (This is an opinion)... So I think the VS scores are telling your on the right track... but i wouldnt rely on them to make decisions on apping or how far along you are in the rebuild...
Oddly enough VS scores are sometimes used for renting..... As well as (some) Synch cards....
-J
Id try to see if theres anything else you can do about your baddies... Know Goodwill letters are not the most reliable things, and you will likely need to be persistant and not take no for an answer... Id make a post telling the details .. folks need more info to guide you better... Open/Closed tradelines, when/who/what type on the lates... any other adverse things.... Sometimes its all a matter of time unfortunately, but if you can get rid of some lates it might nudge some movement..
You can do this....
-J
