Sometimes Vantage can be interesting

[Anonymous]

Logged on to WalletHub this morning and saw this

It has been an interesting few months. 

February 13th I got a boost from 701 to 729 for my BK falling off. 

April 2nd I got a boost to 754 for no real good reason I can see. 

April 9th I got a boost to 765 for paying off my only card that was at 30% utilization, bringing my highest individual utilization to 25%

Now today I got a boost to 774 because an inquiry aged off. 

I knew I was getting penalized for inquiries by VS3 but I had no idea how much. My TU VS3 is coming close to my 788 TU FICO 8 now. 

[Anonymous]

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@Anonymous wrote:

Now today I got a boost to 774 because an inquiry aged off. 

I knew I was getting penalized for inquiries by VS3 but I had no idea how much. My TU VS3 is coming close to my 788 TU FICO 8 now. 

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Did any of your revolving accounts reach 3 months in age?

I got the same +44pts at AoYA 3mo, as calculated by the VS3 model, which can be different from FICO's 1st of the month aging.

My first 2 cards had opening dates of Dec 21 and Dec 23. VS3 aging always lagged a month behind FICO's: FICO AoYA 3mo would be VS3 AoYA 2mo, with these dates. That's not happening with my AMEX/Discover opened on 2/13 and 2/14. It looks like standard midpoint rounding, but with dates.

[EDIT: Adding FICO AoYA 4mo / VS3 AoYA 3mo report. +44 across all 3 VS3 scores. Not much on FICO.]

(Vantage Score 3.0, VS3 for GoogleBot) recovery time graph, posted by Thomas_Thumb here. It shows a logarithmic curve, 0 to +3mo, for 'Obtaining New Credit'.

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Also, you're on fire!

[Ficoproblems247]

Vantage score is cray cray, I'm telling you. I'm not anywhere NEAR as score savvy as you guys, but I went and checked just for fun. AoYA hitting 3 months, then 4 months on TU was + 10, +2; EQ was +3, +6. Now I'm sure I had a little bit of balance fluctuation which drives VS nuts apparently, but my util is almost always 1-3% reporting aggregate, less than 10% individual so no significant changes. I have a more dirty file, too. Most recent late was Oct '18.  BUT, no matter what score model you're looking at, that is something to be super proud of, @Anonymous ! It's almost time to delete that BK tracker from your siggy!  

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Now today I got a boost to 774 because an inquiry aged off. 

I knew I was getting penalized for inquiries by VS3 but I had no idea how much. My TU VS3 is coming close to my 788 TU FICO 8 now. 

---

Did any of your revolving accounts reach 3 months in age?

I got the same +44pts at AoYA 3mo, as calculated by the VS3 model, which can be different from FICO's 1st of the month aging.

My first 2 cards had opening dates of Dec 21 and Dec 23. VS3 aging always lagged a month behind FICO's: FICO AoYA 3mo would be VS3 AoYA 2mo, with these dates. That's not happening with my AMEX/Discover opened on 2/13 and 2/14. It looks like standard midpoint rounding, but with dates.

[EDIT: Adding FICO AoYA 4mo / VS3 AoYA 3mo report. +44 across all 3 VS3 scores. Not much on FICO.]

(Vantage Score 3.0, VS3 for GoogleBot) recovery time graph, posted by Thomas_Thumb here. It shows a logarithmic curve, 0 to +3mo, for 'Obtaining New Credit'.

]

Also, you're on fire!

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The three month mark would have been February 12th. I thought about that already and as far as I can tell there isn't any reason for the sudden score jump to 754 unless there is some obscure aggregate utilization threshold that I crossed which is very well possible. 

We will see how much Vantage reacts to my new AOD account reporting. 😅

[Anonymous]

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@Ficoproblems247 wrote:

Vantage score is cray cray, I'm telling you. I'm not anywhere NEAR as score savvy as you guys, but I went and checked just for fun. AoYA hitting 3 months, then 4 months on TU was + 10, +2; EQ was +3, +6. Now I'm sure I had a little bit of balance fluctuation which drives VS nuts apparently, but my util is almost always 1-3% reporting aggregate, less than 10% individual so no significant changes. I have a more dirty file, too. Most recent late was Oct '18.  BUT, no matter what score model you're looking at, that is something to be super proud of, @Anonymous ! It's almost time to delete that BK tracker from your siggy!  

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I can't wait for the moment I can take out that tracker. That would have been cause for an over the top alcoholic celebration back when I still drank 😂 

And yeah, Vantage is weird. I struggled for the longest time to even break 700 and had all but given up until my BK dropped off. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Now today I got a boost to 774 because an inquiry aged off. 

I knew I was getting penalized for inquiries by VS3 but I had no idea how much. My TU VS3 is coming close to my 788 TU FICO 8 now. 

---

Did any of your revolving accounts reach 3 months in age?

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The three month mark would have been February 12th.

Oh. Neeeeevermind. lol

We will see how much Vantage reacts to my new AOD account reporting. 😅

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*clutching pearls* .oO (One of those people! With their high limits and 3% cashback...)

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Now today I got a boost to 774 because an inquiry aged off. 

I knew I was getting penalized for inquiries by VS3 but I had no idea how much. My TU VS3 is coming close to my 788 TU FICO 8 now. 

---

Did any of your revolving accounts reach 3 months in age?

---

The three month mark would have been February 12th.

Oh. Neeeeevermind. lol

We will see how much Vantage reacts to my new AOD account reporting. 😅

---

*clutching pearls* .oO (One of those people! With their high limits and 3% cashback...)

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$5K isn't so high but I'm happy with it. 😛