My FICO has my scores as follows Experian 647, TransUnion 635 and Equifax 653 as of 2 days ago. I have a discharged bankruptcy from Nov 2017. I have had no late payments to anyone. My Vantage Score which I got from 2 of my credit cards has me at 566 and 540. I don't understand why it is so different. My credit utilization is at 64% but going down I am working on it.
I have cut up the 2 cards with the highest balance and the rest are small cards. I do have 3 finance companies listed with varying balances.I had a home repair to make. I applied at Navy Federal about 5 months ago and they turned me down for an auto loan. I was going off of my FICO scores and would never have applied had I realized my Vantage was so low. In looking at Navy Federal comments they have my bankruptcy as January 2025 unless I was reading it wrong. This is not correct and I pulled all three credit reports from each agency and the bankruptcy is listed correctly discharged in Nov 2017.
I also had a few too many inquiries evidently the finance companies like to check more than one time. Are the finance companies hurting me the most or is it the utilization? The balance to finance companies is going down as well. I have 12 payments left on one longer on the others.
I need to trade cars before my warranty runs out at 100K. I have about 26K miles left on the warranty. It will expire next fall. My car has had nothing but problems 2019 Ford Fusion and I don't trust it once I have no warranty left. The car required expensive repairs engine, transmission, motor mounts etc.
So a couple of questions how can I get my Vantage score to improve to match my FICO? Even though it's a while off about how much of a bump will I get when the BK disappears?
