overzealous_llama t1_iuih41c wrote on October 31, 2022 at 4:08 PM

Reply to comment by bepr20 in How accurate is Credit Karma by CASTePhYRusIO

In the US, this is untrue. CC companies do provide vantage scores on your statements though because it's cheap to do so. But in terms of credit decisions, FICO is used the majority of the time (there may be a handful of lenders that use vantage scores in credit decisions. MyFico forums would have this information).

bepr20 t1_iuii33q wrote on October 31, 2022 at 4:15 PM

Majority yes use FICO, but a large number of lenders use Vantage, especially in near prime lending, though not for everything.

Capone, Chase, Upstart all use it to an extent for example.