CarefulBuilder14 wrote:I've never had weird Vantagescores from CK. They are currently in the 750's. They have taken a hit when a new account reports, but they have never gone below 700. CK does show one EQ inquiry as hard when my actual EQ report shows it as soft. It was from opening a cash (non-margin) Schwab brokerage account.
I have 3 hard TU inquiries, 1 definitely hard EQ inquiry (Discover), and 1 possibly hard EQ inquiry (Schwab).
EDP has not yet reported, so my scores may take a hit soon. It does seem a little unusual now that with 8 cards, my AAoA needs only a month to recover after opening a new account.
CK gets the same data a lender does, so if it's showing up as hard for them, it's probably showing up as hard for everyone else, too. Not that inquiries matter much.
The thing to remember about CK is that their recommendations are nuts. ignore them. And their scoring of elements of credit history are nuts, and at odds with their scores. Ignore them. Actually, just ignore everything but the trend of the score, and the data in the reports.
Also, important to remember about VS: Vantage use more data from the file, track more behavior, do more differentiation on types of account, and claim it's a better predictor of default than FICO. Whether that's true, or not, it's going to score different files, which have the same FICO scores, differently. Someone who does the things that VS thinks are more risk than FICO does will have a lower (perhaps substantially lower) VS score, while someone who does the things VS thinks are less risky will have a higher score (again, maybe dramatically higher) VS score.