Utilization went down, score dropped 20 points

[Anonymous]

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Ok, so I got scores refreshed this morning and my fico8 did in fact go up 38 points from October after paying down to zero many of my accounts, however my vantage 3.0 did go down 54 points and my vantage scores have seemed to do that last couple months if if I pay a card off and not carry a balance

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That's fine and a good thing.  If your FICO scores are up 38 points, that's a great win, as it's a meaningful score that lenders use.  They will not use your VS 3.0's, thus making them unmeaningful scores.  Gaining 2-3 FICO points is > losing 200-300 VS 3.0 points.

[RonM21]

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@Anonymous wrote:

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That's fine and a good thing.  If your FICO scores are up 38 points, that's a great win, as it's a meaningful score that lenders use.  They will not use your VS 3.0's, thus making them unmeaningful scores.  Gaining 2-3 FICO points is > losing 200-300 VS 3.0 points.

Lol, this is so true.  But there are still a lot of people out there who put the same staock in their Vantage scores as Fico's.  A good bit of the time it seems to be from lack of knowledge though.  In my experience, my Vantage scores have never been very close to my Fico's, and most of the time they are way off, let alone close. 

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[Anonymous]

It definitely varies from person to person.  I've seen people with FICO scores 100+ points higher than their VS 3.0's, where others have reported VS 3.0's 100+ points higher than their FICO scores.  There are also different events that can cause a FICO score to go up, but a VS 3.0 score to go down and vice versa.  I always feel it's a best practice to not try and compare them and under most circumstances ignore the VS 3.0's all together.

[Fire6546]

Its not just my VS3 scores its my fico9 scores as well, they follow the same pattern it seems