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jingwu1988

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Vantage Score keep improving since last October but Transrisk Score has no change, why?
Hi all, I am new to credit. In the past 5 months my Vantage Score keep improving from 682 to 766 since last October but Transrisk Score has no change and maintains on 656 level, why?
Is it because I have too many inquiries in last 2 years (20 in total). I just started working so apply an auto loan and 11 credit cards in the last 1.5 years.

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The Vantage score is deliberately biased more toward measuring your recent activities. The TransRisk score looks more at the long term and so often does move more slowly.

However, if you've been doing things recently that ought to raise your score (like paying down your credit card balances) and the TransRisk score is still not moving, you should ask CK customer support. There have been cases of people's scores freezing due to tech glitches on the site.

Also, please keep in mind that CK scores are what's called FAKOs. They can be a valuable tool for measuring progress, but they are just estimates of the "real" FICO scores lenders pull when we apply for credit.

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