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Question about Vantage 3.0 score major difference between 2 users
My wife and I have 2 credit cards to build credit.
1 - secured card from our bank - $500.00 limit - Im primary she is auth. user.
2 - Card from our insurance company ( USAA ) - She is primary I am auth user.

When the report date came sround there was 188.00 used on the secured card.

Here is where the question comes in play.

My Vantage score on Credit Karma took a 6 (T.U) and 5 (Ex.) point loss.
My wife's score JUMPED 21 points

Her Vantage score was hovering about 80 points higher than mine before - now about 110 more.

How is this possible?

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From whats my score dot org ,   This sums it up really good. 


What factors aren’t included in my score?

Certain factors are never included in your score. According to Fair Isaac, the company that calculates the popular FICO credit score, the following factors are never used when calculating your score. 

Your race, color, religion, national origin, sex and marital status. 

US law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act.

Your age. 

Other types of scores may consider your age, but FICO scores don't.

Your salary, occupation, title, employer, date employed or employment history. 

Lenders may consider this information, however, as may other types of scores.

Where you live.

Any interest rate being charged on a particular credit card or other account.

Any items reported as child/family support obligations or rental agreements.

Certain types of inquiries (requests for your credit report). 

The score does not count “consumer-initiated” inquiries – requests you have made for your credit report, in order to check it. It also does not count “promotional inquiries” – requests made by lenders in order to make you a “pre-approved” credit offer – or “administrative inquiries” – requests made by lenders to review your account with them. Requests that are marked as coming from employers are not counted either.

Any information not found in your credit report.

Any information that is not proven to be predictive of future credit performance.

Whether or not you are participating in a credit counseling of any kind.


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Thanks but I was wondering about Vantage 3.0 not FICO,

Ive found Discover cards,, FICO to be more accurate for FICO than CreditKarma's score..

Plus since I have been the only source of income that doesnt mesh either.

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I replied yesterday but it must have somehow got sucked into the void of who knows what?

Thanks for the reply, but please note I was asking about the Vantage 3.0 model ( the one used here on CreditKarma) not FICO, I have other sources I use for FICO.

Plus, this doesnt work work either for the fact that I am the sole provider of income, not my wife, so that doesnt work either.

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