Vantage 4.0 is here

[Anonymous]

Wonderful! One more Vantage Score to keep track of?! FICO 08 is my mentor and the others down grade me for too high a percentage of the home loan and auto loan outstanding?! Pay the auto loan down to 30% and the scores love me! Why, would I do that on a 0% loan? Just askin'

[GApeachy]

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@Lucifer 

Thanks for posting, mine is weird!

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My V3 TU is: 655

My V4 TU is: 758

[Anonymous]

I don't think anyone has ever reported higher than an 840-841 TU VS 3.0 score.  I've got an 838 right now, where my VS 4.0 is 850.  So, from my research, where it seems "impossible" to reach an 850 on VS 3.0, it can certainly be reached on VS 4.0.

[Aahz]

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@GApeachy wrote:

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@Lucifer 

Thanks for posting, mine is weird!

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My V3 TU is: 655

My V4 TU is: 758

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Mine are similar (pulled minutes apart)-

TUv3: 641 

TUv4: 786

It appears to me that v3 is taking into account total dollar value of debt while v4 is not.

This is based on the fact that my v3 jumped up to 750 last week when I had a $25k payment reported, only to drop this week when that $25k reported on the card I transferred it to.

[Anonymous]

TU VS3 - 699

TU F8 - 726

TU VS4 - 725

I am curious to see how the trending data that VS4 uses affects scores over time. 

[Brian_Earl_Spilner]

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@calyx wrote:

Just refreshed to take a looksie:

TU F8: 780;  TU VS3: 755;  TU VS4: 791

The two neg reasons it gave me on VS4 were a lack of mortgage and too many INQs

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That's an easy one to fix. Just go buy a house.

[Anonymous]

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@Anonymous wrote:

I don't think anyone has ever reported higher than an 840-841 TU VS 3.0 score.  I've got an 838 right now, where my VS 4.0 is 850.  So, from my research, where it seems "impossible" to reach an 850 on VS 3.0, it can certainly be reached on VS 4.0.

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Mine topped at 832 on Vanatage 3.0 (10-11-19) and dropped as my 18 years AAOA dropped to 10 years. Two really old closed accounts fell off the credit reports (Capital One). Ouch as I also closed a bank and eliminated $12K in credit. Even gets worse as I have a Mortgage and Auto Loans that are higher than the recommended percentages by various advisory sites?!

Life goes on as Vantage never was good to me?!

[calyx]

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@Brian_Earl_Spilner wrote:

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@calyx wrote:

Just refreshed to take a looksie:

TU F8: 780;  TU VS3: 755;  TU VS4: 791

The two neg reasons it gave me on VS4 were a lack of mortgage and too many INQs

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That's an easy one to fix. Just go buy a house.

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Right?

"BRB, honey!  I need to go grab a house real quick to make one of my credit scores better." 

[Revelate]

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@Anonymous wrote:
Wonderful! One more Vantage Score to keep track of?! FICO 08 is my mentor and the others down grade me for too high a percentage of the home loan and auto loan outstanding?! Pay the auto loan down to 30% and the scores love me! Why, would I do that on a 0% loan? Just askin'

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They're in good company, FICO penalizes for loan balances outstanding too! 

That said I'm still just poking along at my installment utilization.  Been pooling cash in my emergency reserve fund for the past several months as my work situation went all sloppy but now looks like I'm not losing my last gig and another is picking back up so I may kick some of it to the car note.

Not very surprised VS 4 is looking for a mortgage specifically, lenders certainly care (easily found asset they can attach a lien to if I flake for whatever reason) but I don't know how much it's been broken out in the earlier models if at all.  Not a lot of good data around them when they're measured in decades for their term generally, or at least there wasn't when I was last seriously on this forum a few months back.

I'd be curious to look at mine but I closed my only Synch account years ago and have no intention of opening up another... I suppose at some point some of the free services will start using them but that might be years off potentially.

[Apple507]

Vantage 3 seems to hate me as it has always been quite a bit lower than my FICO 8 scores. We just refinanced our mortgage so the percentage owed went up by alot and my FICO 8 score on Transunion barely blinked going from 810 to 803. However, Vantage 3 is at  780 and I just checked Vantage 4 and it is at 758?? My util is sitting at 6% but we always PIF statment balance for all CC. 

I usually just ignore the Vantage scores and I wish all the CC would show FICO 8 scores.