Master List of Non-FICO Scores Disclosed in Denial and Approval Letters from Creditors

[ciscotech2007]

custom scores further obsure

 

'if you cant convince them confuse them' - unknown

[aftermath]

Penfed 150-950

[ani]

DILLARD'S GE-608

[ani]

DILLARD'S 300-850. GE

[Gigi45]

GE Retail Bank Paypal Mastercard 300-620. Denied 485. Approved for Paypal Smart Connect

 

 

[BananaTheDog]

I got approved with Navy and it says my score was 656 from EQ which was right about where my Fico was.

 

"Score ranges from a low of 334 to a high of 818."

 

This is the true Beacon 5 FICO range.

[hegemony]

Alliant Credit Union

 

range 400-950

[beach70]

Was the score I was given a FICO score? I deleted the score and personal info from the letter. Looks like the range, but doesn't say FICO anywhere on the letter:

WebBank c/o Bill Me Later, Inc.

 

Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you.

 

You also have the right to a free copy of your report from the reporting agency if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Any questions regarding such information should be directed to:

 

Equifax Credit Information Services, Inc.

PO Box 740241

Atlanta, GA 30374

1(800)685-1111

 

We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

 

Scores range from a low of 300 to a high of 850

 

Thank you.

 

Sincerely,

 

WebBank, Salt Lake City, Utah

 

FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE

 

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the FDIC Consumer Response Center, 1100 Walnut St, Box #11 Kansas City, MO 64106.

 

The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil rights Commission administers compliance with this law.

[mountainguy]

^^^

Is there any place to go to check how these scores are determined? Indeed, knowing

ones FICO, which in my case is 723 as of today compared to a 512 GEC is not worth disclosing

if you can not tell if it is right or wrong. How could you infer a problem with your

CRs if you do not know what 512 means, as compared to TU 708, EQ 720?

[hegemony]

CITI HD approval range 100 to 900 as per

 

Blue Demp

http://creditboards.com/forums/index.php?showtopic=500240

[hegemony]

^^

[visorboy1974]

BMW Financial - 264-900

Bank of America - 250-900

State Farm Bank - 221-950

Edited November 23, 2012 by visorboy1974

[tuxedo]

GE Retail Bank Paypal Mastercard 300-620. Denied 485. Approved for Paypal Smart Connect

Same happened to me for an Amazon card. 300-620 . I was in the low 400 range.

[hegemony]

^^

[Platystemon]

I'll play ....

 

Chase pulled TU and gave a "Card Acquisition Risk Score", range 250-900.

They also pulled EX, but the AA letter only mentions the above.

[Herschel]

NASA FCU--Experian range 320-844.

[mendelssohn]

Someone just posted the other day that a Vantage score was used by a CU. Anyone recall where that was?

 

I'll play ....

 

Chase pulled TU and gave a "Card Acquisition Risk Score", range 250-900.

They also pulled EX, but the AA letter only mentions the above.

 

Chase used bankcard enhanced FICOs. That was still an EX FICO.

 

NASA FCU--Experian range 320-844.

 

Still a FICO.

[nooneimportant]

Alliant CU uses EXP VantageScore 3.0.

Penfed uses EQ FICO NG2 (it is a FICO but an uncommon one).

[mendelssohn]

Alliant CU uses EXP VantageScore 3.0.

Penfed uses EQ FICO NG2 (it is a FICO but an uncommon one).

Last I saw here, Alliant switched from pulling EQ FICOs to EX FICOs.

 

PenFed is unusual, but that doesn't belong in this thread.

[nooneimportant]

That is what Alliant provides for free, and for some reason I was thinking they used the score too. But I think you are correct.

 

I only mentioned PenFed because someone listed it above.

 

I think this may be what you were thinking of: https://creditboards.com/forums/index.php?showtopic=567669

[Beachgal]

That is what Alliant provides for free, and for some reason I was thinking they used the score too. But I think you are correct.

 

I only mentioned PenFed because someone listed it above.

 

I think this may be what you were thinking of: https://creditboards.com/forums/index.php?showtopic=567669

I can absolutely confirm that Alliant uses true FICO scores (Equifax, I believe) for their credit/loan products, but provides members with their "free credit score!!" from Vantage 3. I had occasion to speak with one of their reps about another issue and brought that up. As in, reminded them that other issuers were providing true FICO scores for their customers, and that as an institution that uses FICO scores, they could get on board with FICO's Open Access program. I reminded them that they were being a bit hypocritical (did not use that word, more like "confusing") to customers who did not know of this specific policy. This seemed like news to the rep (I'm not surprised), and he promised to mention the issue to the higher-ups. Right. That was 3 minutes of my time I'll never get back. I just couldn't let it go. I don't know, but I'm willing to bet that Vantage provides their "free credit score!!" without charge to Alliant and other CUs who provide it to customers. Way to get more credibility from the masses.

[hegemony]