Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Karma
Profile Image

Question By
whitewolf1977

0 Contributions
0 People Helped
Why does one of scores keep going down and the other keep going up?
My Trans Union scores keeps going down and at the same time, my VantageScore keeps going up. Why does this happen and which score is more important to look at?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
988 Contributions
550 People Helped

You can't expect different scoring models to produce the same results.  We don't know the details of the TransUnion New Accoint Model or VantageScore.

Which is more important?  The answer to that all depends on which scoring model the creditor you're applying to uses.  I've read that some use VantageScore but I have no idea which ones.  Most creditors us a FICO score.

Top Contributor
32 Contributions
29 People Helped

I agree with takeshi74 on this. Between the 3 bureaus Experian, Equifax, Transunion, most creditors use a FICO score. I know with AMEX for instace, if you sign up for CreditSecure they display your Plus scores. But overall, you're better off reviewing your FICO.

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.