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Question By
brettr2

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Vantage Scores...useless
My credit score keeps going up while my Vantage Scores (credit karma) keep going down. There's now over a 100 point gap between them.

Vantage Scores are useless. Nobody looks at them and I've decided to do the same.

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Not knowing how to use something does not mean that it is useless.  You cannot use a score generated by one model to determine a score generated by another model even if both models are FICO's.  Not sure what other score you're referring to but it's clearly a different scoring model.  You don't have just one credit score.  There are many FICO models used by creditors and typically you have a score with each CRA for each model.

VantageScores are allegedly used by creditors but they aren't relevant unless you have a creditor that you know uses them.

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