Negative Reason Codes on 840 score:

[Thomas_Thumb]

Actually LexisNexis has a far larger presence in the insurance industry than does Fico, LN is the industry leader. TransUnion also has a presence in the insurance industry and offers their own CBIS for Auto and Home. They also appear to be a larger presence than Fico but, LN dwarfs both. The TU scores also look at average credit limit. See Below paste.

[Anonymous]

If you've gotten AA from a company that uses LexisNexis scores, then it definitely matters.  Auto insurers tend to use (some of them) the LexisNexis Attract auto insurance score.  If you get a worse rate because of it, they have to tell you.

Some lenders who cater to no credit or super subprime credit consumers may also use the LN RiskView score -- again if you're given a denial or AA because of it, you'll likely want to manage it.

FAKO scores from Vantage Score aren't used by any lenders publicly -- and as far as I've seen, only one or two lenders in past MAY have tried using them for credit purposes and may have referenced it but nobody in the present uses them.  If you go to the VS website and request a portfolio of companies who use VS, it's nobody except for some tranch bundlers, some insurance bundlers, and 1000000 knockoffs of Credit Karma type sites providing free scores.

[Anonymous]

Any estimates on what my 840 score may become in 4.5 months when my AoYA hits 1 year?  At that time I'll also drop 1 scoreable inquiry, but it's going from 1 to 0, which I believe falls into the same bin.  I'll be going from 2 to 1 on EX and EQ, so I would expect those scores may tick up a little bit more.