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Actual FICO Score Ranges

qwerty4

By qwerty4
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qwerty4

qwerty4

Posted
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Updated info. Thank you Nostradamuz for the FICO 98 Info. I also added Vantage 2.0 and 3.0 info, though this obviously isn't a FICO score.

 

11136933756_a2975e9b42_b.jpg

 


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MarvBear
MarvBear

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

MarvBear
MarvBear

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 rep

creditnoob1
creditnoob1

thank you for that.

  • 2 weeks later...
GonnaGetEm

GonnaGetEm

Posted
Posted (edited)

ok so let me see if I got this right, because this thread is new since last time I popped in, which doesnt seem possible. But anyway. My TU FICO from Barclay's (and Walmart and Merrick bank) 2 days ago was 734 but I bought it from myfico.com five minutes later and it was 754. So now I have to look at that chart and see why that is... looks like myfico.com is selling me a score that isn't useful to me because my lenders aren't using it, basically!

Edited by GonnaGetEm
qwerty4

qwerty4

Posted
  • Author
Posted

The MYFICO TU score is indeed an old version. However, the EQ and ex scores sold are more widely used.

ok so let me see if I got this right, because this thread is new since last time I popped in, which doesnt seem possible. But anyway. My TU FICO from Barclay's (and Walmart and Merrick bank) 2 days ago was 734 but I bought it from myfico.com five minutes later and it was 754. So now I have to look at that chart and see why that is... looks like myfico.com is selling me a score that isn't useful to me because my lenders aren't using it, basically!

 

ok so let me see if I got this right, because this thread is new since last time I popped in, which doesnt seem possible. But anyway. My TU FICO from Barclay's (and Walmart and Merrick bank) 2 days ago was 734 but I bought it from myfico.com five minutes later and it was 754. So now I have to look at that chart and see why that is... looks like myfico.com is selling me a score that isn't useful to me because my lenders aren't using it, basically!

  • 1 month later...
  • 2 weeks later...
sidecontrol

sidecontrol

Posted
Posted

Is Discover TU08 score the same as Barclays and Walmart?

 

I have all 3 cards...

 

My results for January are:

Barclays 703

Walmart 710

Discover 718

 

Discover hit in the 3rd week of the month; so that might be some of the discrepancy. I did add a new 7k CL so that might be part of it, lowering my util %. I'll keep track of it.

  • 1 month later...
  • 2 weeks later...
BobWang

BobWang

Posted
Posted

Updated info. Thank you Nostradamuz for the FICO 98 Info. I also added Vantage 2.0 and 3.0 info, though this obviously isn't a FICO score.

 

11136933756_a2975e9b42_b.jpg

 

 

Note the MAX scores for FICO04

 

Eq04 = 818

Ex04 = 844

TU04 = 839

 

I've been at

 

Eq04 817 (1 point less than MAX)

Ex04 840 (4 points less than MAX)

 

Even at the MAX

Eq04 will be 26 points lower than Ex04

shifter

shifter

Posted
Posted

the mortgage disclosure I got said Experian Fair Issac, 340-850.

 

also said TU FICO Risk Score Classic 04, 300-850.

BobWang

BobWang

Posted
Posted

the mortgage disclosure I got said Experian Fair Issac, 340-850.

 

also said TU FICO Risk Score Classic 04, 300-850.

 

I'll let qwerty decide whether to change the spreadsheet.

DevilsOwnLuck

DevilsOwnLuck

Posted
Posted (edited)

It looks like the myFICO single Equifax score for purchase

 

is now FICO 8

 

Agreed:

MF = 749 on 4/9

DCU = 725 on 4/11

 

This makes me sad

 

ETA:

Wait a minute...Looking at my DCU today and I notice the range 300-850...FICO 08 as well?

 

If so, why such a large disparity over 2 days; all variables equal?

Edited by DevilsOwnLuck
  • 3 weeks later...
joeyjunior

joeyjunior

Posted
Posted

Hello . I was wondering if anyone has the definitions of the abbreviations that are used frequently here on the site . I'm green to all of this & your help is much appreciated . Thanks .

 

  • 4 weeks later...
waterlili

waterlili

Posted
Posted

I just recently got a Discover and a Cap One credit card. They each pulled Equifax. Cap One says scores range from 334 - 818. Discover says 300 - 850

 

Cap One pulled on 5/14 and said my score was 786. Discover pulled on 5/21 and the score was 806. Dunno how it could change that much that quickly - 20 points.

BDK

BDK

Posted
Posted

I just recently got a Discover and a Cap One credit card. They each pulled Equifax. Cap One says scores range from 334 - 818. Discover says 300 - 850

 

Cap One pulled on 5/14 and said my score was 786. Discover pulled on 5/21 and the score was 806. Dunno how it could change that much that quickly - 20 points.

Two totally different scoring models. Not apples to apples.

  • 4 months later...
tzuk

tzuk

Posted
Posted

http://www.experian.com/assets/consumer-information/brochures/risk-based-pricing-rule/fico-classic-score-booklet_0613.pdf

 

http://www.experian.com/assets/consumer-information/brochures/risk-based-pricing-rule/experian-fico-risk-model-v3-table_0612.pdf

 

http://www.experian.com/assets/consumer-information/brochures/risk-based-pricing-rule/experian-fico-risk-model-v2-table_0612.pdf

 

http://www.experian.com/assets/consumer-information/brochures/risk-based-pricing-rule/experian-fico-risk-model-v8-table_0612.pdf

  • 6 months later...
DAR77

DAR77

Posted
Posted

 

Updated info. Thank you Nostradamuz for the FICO 98 Info. I also added Vantage 2.0 and 3.0 info, though this obviously isn't a FICO score.

 

11136933756_a2975e9b42_b.jpg

 

 

Note the MAX scores for FICO04

 

Eq04 = 818

Ex04 = 844

TU04 = 839

 

I've been at

 

Eq04 817 (1 point less than MAX)

Ex04 840 (4 points less than MAX)

 

Even at the MAX

Eq04 will be 26 points lower than Ex04

 

Came across this because i was doing some reseach on all the free ficos we get and i thought it would be good for new newbies to see upfront.

  • 3 years later...
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