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Question By
jge1107

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my t.u. score was 140 points lower than what shows up here according to a loan I applied for?
Has this happened to anyone else? The loan I applied for wad through this site.

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No surprise

No surprise at all. Different scoring systems will have different outcomes. Most lenders use FICO scores, this site gives Vantage. It really isn't any secret as it is posted on the site, but it does needs to be made clearer somehow.

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Reply by
OldFrog75

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I understand there are variances between Vantage and Fico but that is a substantial % difference and likely to be meaningful when applying for credit.  If someone believes their "score" is 740 when in reality it's only 600 (for example), they will most likely be in for a rude awakening when their application is declined or accepted at a much higher interest rate than anticipated due to their CK score.   Shouldn't the algorithms produce closer results than that in order to be valid?

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