Massive Difference Between FICO and VantageScore **bleep**?

[Horseshoez]

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@chijo wrote:

Mine is the opposite. My Vantage 3 has always been about 100 points higher than my FICOs. My FICO 9 is hiugher than my 8. I have run across some lists of lenders who use Vantage and it is long. I don't count it out.

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Counting it out for the time being, there isn't a single lender I want who uses Vantage, not one.

[coldfusion]

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@chijo wrote:

Mine is the opposite. My Vantage 3 has always been about 100 points higher than my FICOs. My FICO 9 is hiugher than my 8. I have run across some lists of lenders who use Vantage and it is long. I don't count it out.

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Can you share those lists?  There are a number of places that provide Vantage 3.0 scores (Chase, Capital One, US Bank, AMEX are all examples besides the Credit Karma/NerdWallet type sites) but there are very few if any that are known here to use Vantage 3.0 scores to make credit decisions.    Synchrony is known to provide and use Vantage 4.0 but the algorithm supposedly has significant changes from 3.0. 

[Anonymous]

Comparing the 2 different scoring models is like comparing apples to oranges.  No correlation.