Actual FICO Score Ranges

[BobWang]

VII:

With NYT reporting that Citi uses FICO 8, it means Discover must be using it as well.

 

ES1's Bankcard Enhanced FICO scores from her February apps:

 

2012-02-17 Citi Forward Visa $4k Experian 660 (250-900)

 

2012-02-17 Discover Student More denied Experian 660 (250-900)

[qwerty4]

VII:

With NYT reporting that Citi uses FICO 8, it means Discover must be using it as well.

 

ES1's Bankcard Enhanced FICO scores from her February apps:

 

2012-02-17 Citi Forward Visa $4k Experian 660 (250-900)

 

2012-02-17 Discover Student More denied Experian 660 (250-900)

I,

Excellent. I will add bank card enhanced 08

[qwerty4]

[Repairerer]

There are WAY too many stickies in here.

[tifozi]

Great thread, yes but I agree with Repairer. What we need is one(or a couple more) consolidated sticky with links to these threads which are currently stickyed. Will make it much more clean and easy to navigate.

[mpacuk]

Just got my summary for my mortgage App, and here's the reported ranges:

 

Transunion (Classic 04) [309-839]

Equifax (BEACON 5) [334-818]

Experian (Fair Isaac V2) [320-844]

[Burgerwars]

I got an email today from myFico with a special Mother's Day 20% off code for a report and FICO score. The "perfect" Mother's Day gift: Buy her a credit report.

Edited May 11, 2012 by Burgerwars

[qwerty4]

[Burgerwars]

Just to add, I applied for two cards this year. One from FIA Card Services (January) and one from Capital One (April). Both were approved. My credit record was about exactly the same for both apps., aside from the Cap One app seeing the FIA Card inquiry and the new account ($5,000 credit line). Utilization is only a couple percent, if even that. Both cards were approved. Both sent me a credit score:

 

FIA Card Services (Experian): 834 Score range 350-850

Capital One (Experian): 797 Score range 325 - 850

 

There was no hint at what type of scores these were, but both were said to come from the same credit bureau. Quite a difference between the two. Any ideas? No more applying for me for the rest of the year.

[BobWang]

Many of us used to lose 50 points with a new app and account.

[DAR77]

Refereed to this thread from bob... here is more data of a Mortgage Refi Credit report that was run yesterday

 

 

 

So my credit was run and they provided me the report, some things interesting

 

Experian was 691

Range 375 - 900 (which mates PSECU exactly) and they used XPN FairIssac (V2)

 

TransUnion was 714

Range 395 - 848 and they used TUFICORiskScoreClassic04

 

Equifax was 679

Range 300 - 850 and they used EFX FACTBeacon5.05

[qwerty4]

Refereed to this thread from bob... here is more data of a Mortgage Refi Credit report that was run yesterday

 

 

 

So my credit was run and they provided me the report, some things interesting

 

Experian was 691

Range 375 - 900 (which mates PSECU exactly) and they used XPN FairIssac (V2)

 

TransUnion was 714

Range 395 - 848 and they used TUFICORiskScoreClassic04

 

Equifax was 679

Range 300 - 850 and they used EFX FACTBeacon5.05

Are these ranges and the models exactly what was provided? If so, it looks like we have the mortgage enhanced scores.

[DAR77]

Refereed to this thread from bob... here is more data of a Mortgage Refi Credit report that was run yesterday

 

 

 

So my credit was run and they provided me the report, some things interesting

 

Experian was 691

Range 375 - 900 (which mates PSECU exactly) and they used XPN FairIssac (V2)

 

TransUnion was 714

Range 395 - 848 and they used TUFICORiskScoreClassic04

 

Equifax was 679

Range 300 - 850 and they used EFX FACTBeacon5.05

Are these ranges and the models exactly what was provided? If so, it looks like we have the mortgage enhanced scores.

 

Yes, its from the credit report listed as such

[Duck Bills]

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"

[hegemony]

Each time a BEACON 09 score is requested, BEACON 09 will provide an

accurate assessment of that report at that point in time.

 BEACON 09 scores range from 300 to 850.

 BEACON 09 Industry Option scores range for 250 to 900.

 

 

The BEACON 09 model numbers are as follows:

Model Model Number

BEACON 09 02352

BEACON 09 - Auto Industry 02354

BEACON 09 - Bankcard Industry 02356

BEACON 09 - Mortgage Industry 02391

FACTA BEACON 09 02369

FACTA BEACON 09 - Auto Industry 02367

FACTA BEACON 09 - Bankcard Industry 02368

FACTA BEACON 09 - Mortgage Industry 02392

 

Retired versions of BEACON (i.e. BEACON ’96 and Enhanced BEACON)

are still available however, they have not been updated since 2003.

 

 

 

 

INDICATOR

CODE DESCRIPTION

9 BEACON 09

C BEACON 09 Auto Industry

D BEACON 09 Bankcard Industry

G FACTA BEACON 09 (FACT Act – Inquiries are a Key Factor in Score)

H FACTA BEACON 09 Auto (FACT Act – Inquiries Key Factor Indicator)

X FACTA BEACON 09 Bankcard (FACT Act – Inquiries are a Key Factor in Score)

J BEACON 5.0

K BEACON 5.0 Auto Industry Option

L BEACON 5.0 Bankcard Option

M BEACON 5.0 Finance Option

N BEACON 5.0 Installment Option

Z FACTA BEACON 5.0 (FACT Act – Inquiries are a Key Factor in Score)

R FACTA BEACON 5.0 Auto (FACT Act – Inquiries Key Factor Indicator)

U FACTA BEACON 5.0 Finance (FACT Act – Inquiries are a Key Factor in Score)

P FACTA BEACON 5.0 Installment (FACT Act – Inquiries Key Factor Indicator)

6 BEACON ‘96

1 BEACON ‘96 Auto Industry

2 BEACON ‘96 Bankcard

5 BEACON ‘96 Finance

7 BEACON ‘96 Installments

Y FACTA BEACON ’96 (Fact Act – Inquiries are a Key Factor Indicator)

E Enhanced BEACON

A Enhanced BEACON Auto Industry

F Enhanced BEACON Finance

I Enhanced BEACON Installments

B Enhanced BEACON Bankcard

* Canadian BEACON Version 3.0

# Canadian BEACON Version 4.0

Edited June 12, 2012 by hegemony

[BobWang]

Tibsy,

 

The FICO score doesn't come with the card and the terms. It comes separately.

 

It looks like this:

 

 

 

 

Ron.

[qwerty4]

Hedge/bob, thanks. I will update when I get a moment. From Ron's app, it looks like the low end of EX 08 is 325. I'm not sure where I pulled 316 from or the what the FIA score was burger wars reported in post 34

Edited June 19, 2012 by qwerty4

[BobWang]

Thanks, if you have the score ranges for the mortgage pulls, can you post them as well?

 

I only have the TU score range since it was my middle. I'll make sure to get the ranges for the other 2 on the next pull, I'm pretty sure they were listed but they only gave me the full printout for TU.

 

TU: 309-839

[qwerty4]

Edited June 22, 2012 by qwerty4

[BobWang]

how close is the barclays score to myfico.com TU score?

When I applied around August of last year, the recon analyst gave me the exact TU score I had on myFICO.

Sounds like Barclays may still be using TU98, something to keep in mind.

[fatherof5]

For a data point, I got the following from PSECU (EX) in conjunction with an auto loan application.

 

"The agency reported your credit score to be 690 which falls within a range from a low of 300 to a high of 850."

 

Auto enhanced or not?

[BDK]

Tibsy,

 

The FICO score doesn't come with the card and the terms. It comes separately.

 

It looks like this:

 

 

 

 

Ron.

 

So where does this Experian FICO Classic V3 fit into Qwerty's chart since it appears to be a different score rance than Citi, Discover denial letters (FICO '08 Bankcard Enhanced)?

 

Is it the same as the Experian/FICO Risk Model 08?

Edited October 20, 2012 by Bad Debt King

[tifozi]

...

Edited October 27, 2012 by tifozi

[BobWang]

Is it the same as the Experian/FICO Risk Model 08?

Version 2 is FICO 04, so Version 3 would be FICO 08.

 

Maybe qwerty can put that explicitly in the chart.

[BDK]

Is it the same as the Experian/FICO Risk Model 08?

Version 2 is FICO 04, so Version 3 would be FICO 08.

 

Maybe qwerty can put that explicitly in the chart.

 

Thanks Bob, I didn't want to ASSUME.