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Use FICO instead of Vantage
Why does credit karma use Vantage rather than FICO. The lenders laugh at you when you tell them that credit karma says your score is one thing but they use FICO and it's never even close. Now it seems that my FICO is climbing and my Vantage is dropping. Almost a 100 point difference. Could it be that those that use Vantage are wanting you to stay connected to their companies at much higher interest rates? Fortunately, I was able to see my FICO and obtained a loan at a bank at a 4.5% rate that one of credit karma's banks said I'd have to pay 35%. Maybe credit karma should rethink how they score credit. As I said,, my FICO score is 100 higher than Vantage and FICO is what all major lenders use.

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