Actual FICO Score Ranges

[BobWang]

[BobWang]

Since qwerty4's cooking up interesting things, I'm going to start referring to him as

 

Q

[BobWang]

Mom will become

 

M

[BobWang]

Double-O means License To Kill.

 

Hmm, wonder if there's a CBer who might fit that job description.

[BDK]

Double-O means License To Kill.

 

Hmm, wonder if there's a CBer who might fit that job description.

 

[qwerty4]

Double-O means License To Kill.

 

Hmm, wonder if there's a CBer who might fit that job description.

I think we do have one hitman wondering the boards here...

[qwerty4]

Double-O means License To Kill.

 

Hmm, wonder if there's a CBer who might fit that job description.

I think we do have one hitman wondering the boards here...

[Unicard]

As an aside, almost all of the reported ranges are "observed ranges" rather than "model limits".

The traditional FICO, back in the dark ages, was 300-900 IIRC. Now various CC issuers and other score vendors use different ranges, but they almost all still give observed ranges rather than system limits.

For all of them AFAIK the limits are even numbers, typically 250-800, 150-800, 300-900 etc. It is highly improbable to achieve either the bottom or top scores. For many collections scores, rarely disclosed, the ranges are inverse to the application scores more commonly reported.

[tifozi]

I know at one point we all griped about too many stickies, but how did this fall off the radar

[BDK]

I know at one point we all griped about too many stickies, but how did this fall off the radar

They're all still here, especially after a new post.

[tifozi]

 

 

 

I swear I didn't see it last night as a sticky. This is easily one of my fav threads on the board. Great job by everyone especially Bob and qwerty

 

Edit: Ah now I realize why, I didn't see the option to expand the other stickies.

Edited February 16, 2013 by tifozi

[foeplay]

Citi never provides me with a score when i get denied for a cc, so I don't know what that chart is smoking.

[tjguitar]

FYI, got a Equifax FICO from USAA. I'm guessing it's the BEACON 09 as the range is 300-850, though they don't identify which EQ score it is.

 

I was approved for the card, but still got the disclosure. Perhaps my interest rate is higher.

[tjguitar]

Got a disclosure from Alliant yesterday for an approved Credit Card.

 

Your Score: 707

 

Source: Equifax

 

Scores range from a low of 400 to a high of 950

 

Nowhere did I see "FICO"

 

I think they use the Vantage Score. They must be the only one.

 

[BDK]

 

Got a disclosure from Alliant yesterday for an approved Credit Card.

 

Your Score: 707

 

Source: Equifax

 

Scores range from a low of 400 to a high of 950

 

Nowhere did I see "FICO"

 

I think they use the Vantage Score. They must be the only one.

 

I don't think so, probably a hybrid. The range of Vantage goes up to 990.

[ktjohnson]

If you get anything higher than an 850 in the range, it's not a FICO score. And anything below 300, it's not a FICO score.

[qwerty4]

If you get anything higher than an 850 in the range, it's not a FICO score. And anything below 300, it's not a FICO score.

Not necessarily. Some FICO industry options (eg bank card or mortgage enhanced go to 900, and some of the FICO nextgen scores have ranges from 150-950.

 

I need to make a few updates and post a slightly tweaked chart, but there won't be significant changes from my chart:

http://creditboards.com/forums/index.php?showtopic=488877&p=4703733

[tifozi]

Hey qwerty, might want to update for TU08 Bankcard enhanced -> Merrick Bank monthly http://creditboards.com/forums/index.php?showtopic=503069

[qwerty4]

Hey qwerty, might want to update for TU08 Bankcard enhanced -> Merrick Bank monthly http://creditboards.com/forums/index.php?showtopic=503069

Thanks, will do.

[BDK]

[road2freedom]

Not sure if you guys discussed this elsewhere already but did you see that myfico is selling EX FICOs again? It sounds like they are FICO 08.

[BobWang]

[qwerty4]

I need to update this. I now have a other weekend project...

[alonsoflor]

EXP Fico 08 for Logix Credit Union, matched my score exactly with the one from myFico pulled to days earlier, it goes up to 850 according to Logix's document.

Edited November 27, 2013 by alonsoflor

[Nostradamuz]

The 49 FICO scores are:

-FICO 98 (version 1998):

Experian: Experian, FICO Risk Model V2 (classic, auto, bankcard, installment loan, personal finance).

Equifax: BEACON 96 (classic, auto, bankcard, installment loan, personal finance).

TransUnion: FICO Risk Score, Classic 98 (classic, auto, bankcard, installment loan, personal finance).

-FICO 04 (version 2004):

Experian: Experian, FICO Risk Model V3 (classic, auto, bankcard, installment loan, personal finance).

Equifax: BEACON 5.0 (classic, auto, bankcard, installment loan, personal finance, mortgage).

TransUnion: FICO Risk Score, Classic 04 (classic, auto, bankcard, installment loan, personal finance).

-FICO 08 (version 2008):

Experian: Experian, FICO Risk Model 08 (classic, auto, bankcard, mortgage).

Equifax: BEACON 09 (classic, auto, bankcard, mortgage).

TransUnion: FICO Risk Score, Classic 08 (classic, auto, bankcard, mortgage).

-FICO Nextgen:

Experian: Experian/FICO Advanced Risk Score 1.0

Experian/FICO Advanced Risk Score 2.0

Equifax: Pinnacle 1.0

Pinnacle 2.0

TransUnion: FICO Risk Score Nextgen

FICO Risk Score Nextgen 03