ingramjuan wrote:That is a huge difference between scoring models. I haven't notice a difference in mine, however CK maybe weights inquires a little heavy. You may have to wait until 14 to 16 months have passed to notice a difference. I could be wrong??
That could be it. Regular FICOs suffer from the first 8-10 inquiries, but additional inquiries beyond that don't affect the scores much (which isn't to say a computer or human analyst won't mind). Vantagescore could assign a greater marginal penalty for the inquiries after the first 10 than FICO does. Also, Vantagescore may give penalties for inquiries over 12 (but less than 24) months old. FICO scores don't.
But new accounts are part of it - the Vantagescore model definitely doesn't like those.