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qwerty4

Actual FICO Score Ranges

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After seeing some of the FICO score ranges given for CC rejections, I was curious about actual FICO score ranges. I did some digging, found I was re-inventing the wheel, and found some interesting info. My biggest surprise is that the vanilla scores, such as EQ Beacon 5 may not really go up to 850 in the real world.

 

I'd be especially interested if people here have scores that contradict the links below:

 

Fico 04 Ranges:

http://www.mlslistings.com/Understanding-Credit-Scores

http://www.krollfactualdata.com/kroll-factual-data/media/assets/PDFs/RBP%20Letters/H-3.PDF

 

Different TU Model Ranges

http://www.transunion.com/docs/rev/business/financialservices/FS_ModelsOverview.pdf

 

More info of all 3 and different models:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-versions-and-variations/m-p/1197617

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http://www.mlslistin...g-Credit-Scores

Equifax Beacon 5.0 Facta: scores range from 334 to 818.

Experian Fair Isaac V2: scores range from 320 to 844.

Trans Union FICO Risk score Classic 04: scores range from 309 to 839.

 

This makes sense.

 

My Equifax is 816, 2 points below the max

CIO's TU is 837, 2 points below the max

Somebody just recently posted about their 844 score, the Experian max.

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http://www.mlslistin...g-Credit-Scores

Equifax Beacon 5.0 Facta: scores range from 334 to 818.

Experian Fair Isaac V2: scores range from 320 to 844.

Trans Union FICO Risk score Classic 04: scores range from 309 to 839.

 

This makes sense.

 

My Equifax is 816, 2 points below the max

CIO's TU is 837, 2 points below the max

Somebody just recently posted about their 844 score, the Experian max.

Actually, your running thread about 10% utilization was one of the items that made me curious ;)

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In an effort to keep this consolidated:

 

Marvbear posted:

 

Auto Enhanced Equifax Beacon 5.0 has a score range from a low of 250 to a high of 843.

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Here is Experian's version.

 

credit report. Your credit score can change, depending on how the information in your credit report changes.
Your credit score: 727
Date: 4/25/2012
Scores range from a low of 250 to a high of 877
Key factors that adversely affected your credit score:
Too many inquiries last 12 months
Proportion of balances to credit limits too high on bank/other revolving accounts
Amount owed on revolving accounts is too high
Length of time accounts have been established

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And TransUnion version

 

Understanding Your Credit Score
What you
should know
about credit
scores
Your credit score is a number that reflects the information in your credit report.
Your credit report is a record of your credit history. It includes information about whether you pay
your bills on time and how much you owe to creditors.
Your credit score can change, depending on how your credit history changes.
How we use
your credit
score
Your credit score can affect whether you can get a loan and how much you will have to pay for that loan.
The range of
scores
Scores range from a low of 253 to a high of 893.
Generally, the higher your score, the more likely you are to be offered better credit terms.

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I wonder if whatever score model you're using, if the lowest possible is 300, and that's your goal, and you're already something like a 340, whether 300 is even possible. A 340 would mean about you're defaulting on all your debt for a long time period, not making any payments and have 100 inquiries. Probably the only way to get your score lower is to get more credit and default on that too. Being that nobody will probably give you credit just so you can default on them, your 300 goal would be unreachable.

Edited by Burgerwars

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It would be possible to continuously acquire collections and judgments without having credit extended per se.

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http://www.mlslistin...g-Credit-Scores

Equifax Beacon 5.0 Facta: scores range from 334 to 818.

Experian Fair Isaac V2: scores range from 320 to 844.

Trans Union FICO Risk score Classic 04: scores range from 309 to 839.

 

This makes sense.

 

My Equifax is 816, 2 points below the max

CIO's TU is 837, 2 points below the max

Somebody just recently posted about their 844 score, the Experian max.

 

But didn't you hit 820 on EQ last year or in 2010? Seems like I recall that, so it seems that's not the max score.

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But didn't you hit 820 on EQ last year or in 2010? Seems like I recall that, so it seems that's not the max score.

I had to look at my records.

 

Equifax FICO:

 

2006-12-22 726

2007-12-01 759

2008-04-26 808

2008-07-13 757

2009-01-09 809

2009-01-18 816

2009-11-22 786

2010-06-02 816

2011-06-17 798

2011-09-14 816

2011-10-22 804

2011-12-23 816

2012-04-27 810

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It would be possible to continuously acquire collections and judgments without having credit extended per se.

 

+1

 

The people I know with bad credit haven't actually had credit extended in years. They just don't pay their bills churning through utilities, cell phones, land lines, etc. Having checking accounts, pay day loans and more go to collections.

 

The way the system is setup without having access to a resource like CB to guide you a single mistake will essentially turn you off of credit as the only issuers willing to touch you will make you pay to use credit and if you aren't knowledgeable about the system small chance you will actually take that offer.

 

All that being said I can't imagine there is a significant difference in risk to an issuer looking at any score sub 400. Also Bob's score range swoon.gif

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But didn't you hit 820 on EQ last year or in 2010? Seems like I recall that, so it seems that's not the max score.

I had to look at my records.

 

Equifax FICO:

 

2006-12-22 726

2007-12-01 759

2008-04-26 808

2008-07-13 757

2009-01-09 809

2009-01-18 816

2009-11-22 786

2010-06-02 816

2011-06-17 798

2011-09-14 816

2011-10-22 804

2011-12-23 816

2012-04-27 810

 

Just ignore me and my memory. I see dead people too. :P

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But didn't you hit 820 on EQ last year or in 2010? Seems like I recall that, so it seems that's not the max score.

I had to look at my records.

 

Equifax FICO:

 

2006-12-22 726

2007-12-01 759

2008-04-26 808

2008-07-13 757

2009-01-09 809

2009-01-18 816

2009-11-22 786

2010-06-02 816

2011-06-17 798

2011-09-14 816

2011-10-22 804

2011-12-23 816

2012-04-27 810

 

Just ignore me and my memory. I see dead people too. :P

 

But do you talk with them? :P

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Equifax Beacon 5.0 Facta: scores range from 334 to 818.

Experian Fair Isaac V2: scores range from 320 to 844.

Trans Union FICO Risk score Classic 04: scores range from 309 to 839.

 

Auto Enhanced Equifax Beacon 5.0 has a score range from a low of 250 to a high of 843.

Auto Enhanced Experian Scores range from a low of 250 to a high of 877.

Auto Enhanced TransUnion Scores range from a low of 253 to a high of 893.

 

Eq = 334-818

Ex = 320-844

TU = 309-839

 

AE Eq = 250-843

AE Ex = 250-877

AE TU = 253-893

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Bob, I just clicked on your link and it appears you may have changed back to Guru. You look strange with that gold shield.

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Bob, I just clicked on your link and it appears you may have changed back to Guru. You look strange with that gold shield.

I stole that image link from ES2.

 

The CS e-mail did say 5 days for the badge change to appear.

 

I don't want to falsely inflate my meager credentials in the meantime. :D

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Yeah, the link says last update was Nov, 2011.

 

May, 2012 update will probably display my demotion. :(

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I'm not expecting to keep mine for long. I will have a new account report soon.

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My score actually went down below the good credit to verified member for a month when a negative was inserted (and removed a few days later), my badge stayed listed as good credit the whole time. Those badges don't inspire much confidence in me for just that reason :P

Edited by Link2k

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Equifax Beacon 5.0 Facta: scores range from 334 to 818.

Experian Fair Isaac V2: scores range from 320 to 844.

Trans Union FICO Risk score Classic 04: scores range from 309 to 839.

 

Auto Enhanced Equifax Beacon 5.0 has a score range from a low of 250 to a high of 843.

Auto Enhanced Experian Scores range from a low of 250 to a high of 877.

Auto Enhanced TransUnion Scores range from a low of 253 to a high of 893.

 

Eq = 334-818

Ex = 320-844

TU = 309-839

 

AE Eq = 250-843

AE Ex = 250-877

AE TU = 253-893

 

FICO 98

Transunion FICO Risk Score, Classic 98: score ranges from 336 to 843

 

FICO 04

Equifax Beacon 5.0 Facta: scores range from 334 to 818.

Experian Fair Isaac V2: scores range from 320 to 844.

Trans Union FICO Risk score Classic 04: scores range from 309 to 839.

 

Auto Enhanced Equifax Beacon 5.0 has a score range from a low of 250 to a high of 843.

Auto Enhanced Experian Scores range from a low of 250 to a high of 877.

Auto Enhanced TransUnion Scores range from a low of 253 to a high of 893.

 

FICO 08

Equifax Beacon 09: score ranges from ___ to 850

Experian Experian/FICO Risk Model v08: score ranges from 316 to 850

Transunion FICO 8 Risk Score (AKA WalMart Fico): score ranges from 341 to 850

 

Summary:

 

FICO 98

TU = 336-843

 

FICO 04

Eq = 334-818

Ex = 320-844

TU = 309-839

 

AE Eq = 250-843

AE Ex = 250-877

AE TU = 253-893

 

FICO 08

Eq = ?-850

Ex = 316-850

Tu = 341-850

 

After typing this, I figure this needs a chart, which is forthcoming in a few moments

Edited by qwerty4

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