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3 years ago
Fri Jul 16, 2021 1:50 am
LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
I have found VS4.0 to be quite different from VS3.0
VS4.0 definitely takes into account balances/util much heavier than VS3.0 does. As @BrutalBodyShots noticed, 3.0 didnt seem to twitch much or at all when balances crept up and I noticed the same thing for SO. Maybe a small loss of points (-9pts, I believe), but VS4.0 definitely took a dive from 666 to 584 when the higher individual posted for CapOne.
I will take a closer look and compare the scores and changes, but I feel that VS is something should be investigated further and worth checking out.
Click images to enlarge them.
- Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
- Classic 8 Scorecard DIRTY/PUBLIC-RECORD/MATURE
- Mortgage Scorecard DIRTY/PUBLIC-RECORD
- AoOA 16y
- AoORA 14y 4m 2y 5m
- Date of Last Inquiry and/or New Account Opening December 9th, 2021