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Apr 25, 2017
8:05
:46
am
Linescratcher
All-American
FICO is updating to include trended data
And Vantage will likely be part of FN/FR underwriting in the near future.
http://www.mortgagenewsdaily.com/04052017_credit_reports_scores.asp
I wouldn't change anything and try to game the system. You'll likely only end up hurting yourself.
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Linescratcher
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Linescratcher
Joined
Dec 21, 2010
Last login
Jun 22, 2021
Total posts
15,086 (4,281 FO)
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Messages
Author
Time
Major changes to credit score calculation
Skeptical Optimist
4/25/17 7:51am
So if you are applying for a car loan you need to play one game
cougarmanguy
4/25/17 7:57am
Yes, that is what is frustrating about the change. There are now two conflicting
Skeptical Optimist
4/25/17 7:58am
FICO is updating to include trended data
Linescratcher
4/25/17 8:05am
It isn't that extreme at all. If you have a high score in one you will have a
CSoul
4/25/17 8:06am
I expect my Vantage Score to drop given the amount of available credit I have
Skeptical Optimist
4/25/17 8:10am
RE: I expect my Vantage Score to drop given the amount of available credit I
eastwestcoast
4/25/17 11:00am
True, but that is changing. As Linescratcher noted above, FICO is losing their
Skeptical Optimist
4/25/17 11:07am
I've found if you pay your bills on time you have great credit.
Mayor of Cougartown
4/25/17 8:46am
Another reason to get out of debt and stay out of debt
YouPuntYouDye
4/25/17 10:02am
Did it go into effect yesterday? My score dropped 8 points overnight.
fiberpost
4/25/17 10:16am
The articles just say it will be later this year
Skeptical Optimist
4/25/17 10:28am
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