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TheScholar

Cap1 still uses Fico 04?

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I didn't know they still used the 04 model for credit card decisions. Got approved but the approval showed a score based on a range from 309-839. That's FICO 04, right? I hadn't realized they were still using 04....my score was significantly different than the 08 model. Not critical in the end, but noteworthy for me. Maybe that's all over the board here, but I hadn't noticed it....

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I think EQ FICO 4 only goes to about 818 or so. Could be the range differs for other CRAs. The models are tuned to each CRA's data.

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My latest Venture approval came with an Experian FICO score of 640 on a 300-850 scale.

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My latest Venture approval came with an Experian FICO score of 640 on a 300-850 scale.

 

Correction:

 

The scale is 325-850 on the letter.

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