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In fact, over 3 billion VantageScore credit scores were pulled in 2014, including scores used for decisioning, model building, and testing purposes.
I wonder how many of those pulls were Credit Karma.
The myfico webmasters better start building the new credit monitoring wonder of the world....myVANTAGE.com
It's a comin' people. You heard it here lst.
@gdale6 wrote:http://www.vantagescore.com/who-uses-our-model
http://www.nafcu.org/VantageScore/
Id love to know which CUs are using it. I belong to 4 of them and they don't.
@Anonymous wrote:
@gdale6 wrote:http://www.vantagescore.com/who-uses-our-model
http://www.nafcu.org/VantageScore/
Id love to know which CUs are using it. I belong to 4 of them and they don't.
Well, there's only 6,553 CU's left. Your 4 CU's make up .061 % of the CU's in the country. I'd say your chances are pretty good that your 4 CU's are NOT using the Vantage model.
lol
@racer-x wrote:
@Anonymous wrote:
@gdale6 wrote:http://www.vantagescore.com/who-uses-our-model
http://www.nafcu.org/VantageScore/
Id love to know which CUs are using it. I belong to 4 of them and they don't.
Well, there's only 6,553 CU's left. Your 4 CU's make up .061 % of the CU's in the country. I'd say your chances are pretty good that your 4 CU's are NOT using the Vantage model.
lol
The thing about any scoring model is, if the bell curve is just shifted to a new part of the 300-850 range, then the lenders, CCC, are going to adjust their underwriting to accomodate that. So if you have an 800 Vantage, and a 720 FICO, everyone else who has a 720 FICO is likely to be in the 800 Vantage range also, so the CCC has to adjust down (keep the same) the credit they would grant to those folks, not use the "FICO 800" mindset.
Repayment still depends on income level, CL still depend on spend patterns and comparable CL.
Me too, Vantage says 723/703, reality is 650 at best according to Janaury NFCU EQ score. Good for tracking, though, maybe and passing the time.
I wish!
Why so different? Do you have more accounts on your TU?
@jhtrico1850 wrote:Why so different? Do you have more accounts on your TU?
For some reason my tax lien just vanished from TU. But, that's what CK is reporting. Might just be a glitch with them.