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New Credit Score Model
#1
Gross 
I'm guessing Advantage Score 3.0 failed to ripoff the public enough. So stay tuned for Advantage 4.0

"For example, the score takes into account how a consumer’s credit balance has changed over a period of months, rather than taking a single snapshot in time. This has made the score upwards of 20% more predictive than 3.0 for customers with good credit, Davies said."

They don't say how many months. Nor if it is 20% in favor or against. If there was a period where you had credit trouble, I'm sure they'll use that against you and lower your score to jack your interest rate (and vehicle insurance). Evil bastards. 

http://blog.credit.com/2017/04/a-new-cre...ct-169115/


Using FlashAir W-03 SD card in machine. Access through wifi with FlashPAP or Sleep Master utilities.

I wanted to learn Binary so I enrolled in Binary 101. I seemed to have missed the first four courses. Big Grinnie

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#2
Modeled credit scores tend to be close-nuf. Being around 825 I'm not too worried, but I have a family member at 607. Life is not good with a 600 credit score.
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#3
(04-10-2017, 05:04 PM)Sleeprider Wrote: Modeled credit scores tend to be close-nuf.  Being around 825 I'm not too worried, but I have a family member at 607.  Life is not good with a 600 credit score.

By modeled do you mean scores like Vantage?  Hell they were like 70 points off from my FICO score.  I don't think they're very accurately
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