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Old Dec 12, 20, 4:19 pm
Join Date: Jun 2002
Location: California USA
Posts: 551
Originally Posted by Kacee View Post

So you can get both the worthless Vantage fake score and your Experian FICO 8 (but onl as of a specific date each month).

I'll note as data points that my VantageScore 3.0 is currently 46 points below my Experian FICO 8. Also, as of today, AMEX shows my November 14 Experian score, which is 15 points below my current score. Their algorithm can be extremely sensitive to monthly fluctuations in closing credit card account balances if a heavy spend month takes you over one of their percentage thresholds (in my case, 10% of total credit limit).
The Experian FICO score is based on the dates they do their periodic soft pull review. with some folks, it's once a month, others are more frequent.

My Vantage score is about 15 points lower than my FICO 8.
SteveT is offline