![]() I know VS touts that it is the same algorithn across all bureaus quite frequently. ![]() If the VS algorithm is the same across the 3 bureaus, then there's a flaw somewhere. Big difference in what's being reported between EX and the other 2. My EX VS 3.0 is remarkably higher, just like my FICOs, but I know why. Not one iota of difference in reported accounts, payment history on those accounts, etc. My TU and EQ credit files are absolutely identical. I will totally admit I've spent very little time researching VS, but I can tell you from my own experience that something's up here. info, but the part about the algorithm differing from bureau to burea with VS is not true. With VantageScore, any variation in credit scores that consumers contemporaneously obtain from the three CRCs will be due solely to variations in the contents of the consumers’ credit files." Other conventional models require custom programming for each CRC database – a process which introduces additional variation in score results. VantageScore models are the only true tri-bureau credit scoring models which use the same algorithm for all three national credit reporting companies (CRCs), Equifax, Experian and TransUnion. " The Same Model is Used Across All Bureaus Good info, but the part about the algorithm differing from bureau to burea with VS is not true. It's actually a pretty big fluke if they're all the same. Differences between the 3 are very common. It's completely normal for you to have different scores across the 3 bureaus depending on if your different creditors report to all 3 CRAs or not, and each CRA has their own proprietary algorithms for both VS and FICO models. Chase Credit Journey provides VantageScore 3.0 for Experian. I did sign up for boost, what's the down side Karma provides VantageScore 3.0 scores for both Transunion and Equifax. Thank you, I do have a Discover card and free access to Experian so I can see my true score just wondering about the CK vs CJ from Chase. 90% of lenders use FICO scores, and there are some free websites/apps ( (don't sign up for boost), Discover Credit Scorecard) and some paid (, ) where you can track your FICO scores. ![]() Apps like CK and Chase Credit Journey are great for seeing and monitoring the contents of your reports across all 3 CRAs (I use them along with Mint, Credit Sesame, Cap One Credit Wise), but the VS scores just aren't in wide use by lenders, so take them for what they are. Note: The VantageScore scoring models are used by very, very few lenders. ![]() 90% of lenders use FICO scores, and there are some free websites/apps ( (don't sign up for boost), Discover Credit Scorecard) and some paid (, ) where you can track your FICO Karma provides VantageScore 3.0 scores for both Transunion and Equifax. Credit Karma provides VantageScore 3.0 scores for both Transunion and Equifax.
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