Vantage Score Rise, but not FICO?

[ridgebackpilot]

According to Credit Karma, my EQ Vantage 3.0 score recently rose to 790, primarily because an old WF mortgage was removed from my EQ report. I had filed a dispute with all three credit bureaus due to WF reporting two mortgages when I've only ever had one with them. EX and TU did not remove the account because WF claims they closed the account and "transferred it to another lender".

So far, myFICO hasn't reported a similar increase in my EQ score. That leads me to wonder whether the old WF mortgage has actually been removed from my EQ report? Are CK reports reliable or should I treat them with skepticism? I realize that Vantage scores aren't widely used but I had hoped that I'd see a similar increase in my FICO EQ score.

[Anonymous]

IMHO - Just forget about Vantage scores. They mean nothing.

[ridgebackpilot]

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@Anonymous wrote:
IMHO - Just forget about Vantage scores. They mean nothing.

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Understood! But that doesn't answer my question, which is whether a CK report of an item being removed from my EQ report is reliable and the resulting rise in my Vantage score will be reflected in my FICO scores as well?

[Anonymous]

FICO and Vantage are completely different algorithms. The only thing CK is good for is alerts. So if CK says a TL was removed from EQ it should be remove from your FICO as well.

The impacts will vary between the two scoring models.

[Remedios]

Report is reliable, it's imported directly from CRA

[Revelate]

Not necessarily.

CreditKarma matches tradelines up, which means if the tradeline got updated (like my CFA just did on Equifax) it can report the tradeline as being deleted.

That isn't the case, mine was not gone, just the updated date being set to 1/2019 instead of it's much earlier one fooled CK's algorithm.  

I.e. don't believe the alerts, check the actual data.

[ridgebackpilot]

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@Revelate wrote:

Not necessarily.

CreditKarma matches tradelines up, which means if the tradeline got updated (like my CFA just did on Equifax) it can report the tradeline as being deleted.

That isn't the case, mine was not gone, just the updated date being set to 1/2019 instead of it's much earlier one fooled CK's algorithm.  

I.e. don't believe the alerts, check the actual data.

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That's exactly what I was afraid of! After CK reported that my old WF mortgage had been removed from my EQ report, I double-checked my Equifax account on their website. Sure enough, the old report was still there. I've been waiting for it to drop off, but I fear CK got my hopes up unnecessarily. Harumph!

[Anonymous]

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@ridgebackpilot wrote:

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@Anonymous wrote:
IMHO - Just forget about Vantage scores. They mean nothing.

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But that doesn't answer my question, which is whether a CK report of an item being removed from my EQ report is reliable and the resulting rise in my Vantage score will be reflected in my FICO scores as well?

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If a VS score change was indicative of a FICO score change, it would then make VS score changes relevant.  Since VS score changes aren't relevant, their movement in no way can predict the movement of FICO scores.

[kxkxkxx]

Agree with the others....for example....all my FICO 8 scores are hovering around the mid 700's...I checked CK, they show 670?! **bleep**? Totally innacurate and worthless....BUT, if there is something that showed it got dropped off your report it should reflect on your FICO8 as well....could take some time. For me TransUnion can be almost 2 months behind when things happen in the background....I know for others different reporting agencices can have the same lag.