BobWang Posted May 10, 2012 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) Quote Share this post Link to post Share on other sites
qwerty4 Posted May 10, 2012 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 Quote Share this post Link to post Share on other sites
Repairerer Posted May 11, 2012 There are WAY too many stickies in here. Quote Share this post Link to post Share on other sites
tifozi Posted May 11, 2012 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. Quote Share this post Link to post Share on other sites
mpacuk Posted May 11, 2012 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] Quote Share this post Link to post Share on other sites
Burgerwars Posted May 11, 2012 (edited) 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 Quote Share this post Link to post Share on other sites
Burgerwars Posted May 14, 2012 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. Quote Share this post Link to post Share on other sites
BobWang Posted May 14, 2012 Many of us used to lose 50 points with a new app and account. Quote Share this post Link to post Share on other sites
DAR77 Posted May 22, 2012 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 Quote Share this post Link to post Share on other sites
qwerty4 Posted May 22, 2012 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. Quote Share this post Link to post Share on other sites
DAR77 Posted May 24, 2012 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 Quote Share this post Link to post Share on other sites
Duck Bills Posted June 12, 2012 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" Quote Share this post Link to post Share on other sites
hegemony Posted June 12, 2012 (edited) Each time a BEACON 09 score is requested, BEACON 09 will provide anaccurate 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 Quote Share this post Link to post Share on other sites
BobWang Posted June 19, 2012 Tibsy, The FICO score doesn't come with the card and the terms. It comes separately. It looks like this: Ron. Quote Share this post Link to post Share on other sites
qwerty4 Posted June 19, 2012 (edited) 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 Quote Share this post Link to post Share on other sites
BobWang Posted June 19, 2012 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 Quote Share this post Link to post Share on other sites
qwerty4 Posted June 22, 2012 (edited) Edited June 22, 2012 by qwerty4 Quote Share this post Link to post Share on other sites
BobWang Posted July 20, 2012 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. Quote Share this post Link to post Share on other sites
fatherof5 Posted July 27, 2012 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? Quote Share this post Link to post Share on other sites
BDK Posted October 20, 2012 (edited) 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 Quote Share this post Link to post Share on other sites
tifozi Posted October 27, 2012 (edited) ... Edited October 27, 2012 by tifozi Quote Share this post Link to post Share on other sites
BobWang Posted October 27, 2012 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. Quote Share this post Link to post Share on other sites
BDK Posted October 27, 2012 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. Quote Share this post Link to post Share on other sites
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