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The Master FREE ($0.00) FICO Score Thread

BobWang

By BobWang
in Credit Forum

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The last post in this topic was posted 2071 days ago. 

 

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generallissimo
generallissimo

Since 2014 I have been throwing money away at MyFico for no reason for two people 🙄   Thought I should change that starting next year.  Experian FICO 8 - Experian mobile app. Thanks @c

Bohemian
Bohemian

Thanks Kat58!! 

nooneimportant
nooneimportant

I got an email alert that my credit report changed yesterday.  When I logged into the app, it showed what changed as well as an updated credit score.

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mendelssohn

mendelssohn

Posted
Posted

Mortgage Scores (FICO 2, 4 and 5 = EX 98, TU 04 and EQ 04)

 

Experian FICO 2 (EX 98):

 

NASA FCU

 

PSECU Experian FICO '04 Ex04 EX 98 score (need verification): (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])

 

 

TransUnion FICO 4 (TU 04):

 

none currently available (purchase 3B from MF)

 

 

 

Equifax FICO 5 (EQ 04):

 

Capital One Luv Button (Denial)

 

DCU (Digital FCU)

Langley FCU

 

Robins FCU

 

 

 

 

FICO 8 Scores (EX 08, TU 08 and EQ 08)

 

Experian:

 

American Express

 

Chase Slate

 

Discover Credit Scorecard

 

Prosper

 

 

TransUnion:

 

Bank of America

Barclaycard

 

Discover

Lending Club

Walmart Synchrony MasterCard & Store Card

 

 

 

Equifax:

Elements FCU

 

Huntington Voice MasterCard

 

NCSECU (quarterly)

 

 

 

Other FICO Scoring Models

 

Experian:

 

First National Bank of Omaha Experian FICO® 8 EX 08 Bankcard Score (PULLS ARS)

 

First Bankcard, a division of First National Bank of Omaha (PULLS ARS)

 

LA QUINTA®, RETURNS® (PULLS ARS)

 

Merrick Bank goScore (EX Bankcard Enhanced FICO 08 EX08 [250-900]) - Merrick gives you EX or TU

 

SF Fire Credit Union (Quarterly) - unconfirmed scoring model

 

Visions FCU MAY get Experian FICO when applying for loan products - unconfirmed scoring model

Wells Fargo FICO Bankcard 2 (250-900)

 

 

 

TransUnion:

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 TU08 [250-900]) - Merrick gives you EX or TU

 

Milestone Gold MasterCard Pre-Qualify (score only if denied) - unconfirmed scoring model

 

Partners 1st Federal Credit Union TransUnion FICO - unconfirmed scoring model,

 

 

Equifax:

 

Citibank Bankcard EQ 08 (250-900)

 

PenFed EQ NextGen 2 (150-950)

 

Suntrust Bank Bankcard EQ 08 (250-900)

 

Unitus Community CU (Oregon resident "...or if you live, work or worship in the State of Washington, you're eligible to join. ", Checking, e-Statements & Loan Product) - unconfirmed scoring model

  • 2 weeks later...
mendelssohn

mendelssohn

Posted
Posted

Mortgage Scores (FICO 2, 4 and 5 = EX 98, TU 04 and EQ 04)

 

Experian FICO 2 (EX 98) 320-844 :

 

American Heritage FCU

 

NASA FCU

 

PSECU Experian FICO '04 Ex04 EX 98 score (need verification): (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])

 

 

TransUnion FICO 4 (TU 04) 309-839:

 

none currently available (purchase 3B from MF)

 

 

 

Equifax FICO 5 (EQ 04) 334-818:

 

Capital One Luv Button (Denial)

 

DCU (Digital FCU)

Langley FCU

 

Robins FCU

 

 

 

 

FICO 8 Scores (EX 08, TU 08 and EQ 08)

 

Experian:

 

American Express

 

Chase Slate

 

Discover Credit Scorecard

 

Prosper

 

 

TransUnion:

 

Bank of America

Barclaycard

 

Discover

Lending Club

Walmart Synchrony MasterCard & Store Card

 

 

 

Equifax:

Elements FCU

 

Huntington Voice MasterCard

 

NCSECU (quarterly)

 

 

 

Other FICO Scoring Models

 

Experian:

 

First National Bank of Omaha Experian FICO® 8 EX 08 Bankcard Score (PULLS ARS)

 

First Bankcard, a division of First National Bank of Omaha (PULLS ARS)

 

LA QUINTA®, RETURNS® (PULLS ARS)

 

Merrick Bank goScore (EX Bankcard Enhanced FICO 08 EX08 [250-900]) - Merrick gives you EX or TU

 

SF Fire Credit Union (Quarterly) - unconfirmed scoring model

 

Visions FCU MAY get Experian FICO when applying for loan products - unconfirmed scoring model

Wells Fargo FICO Bankcard 2 (250-900)

 

 

 

TransUnion:

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 TU08 [250-900]) - Merrick gives you EX or TU

 

Milestone Gold MasterCard Pre-Qualify (score only if denied) - unconfirmed scoring model

 

Partners 1st Federal Credit Union TransUnion FICO - unconfirmed scoring model,

 

 

Equifax:

 

Citibank Bankcard EQ 08 (250-900)

 

PenFed EQ NextGen 2 (150-950)

 

Suntrust Bank Bankcard EQ 08 (250-900)

 

Unitus Community CU (Oregon resident "...or if you live, work or worship in the State of Washington, you're eligible to join. ", Checking, e-Statements & Loan Product) - unconfirmed scoring model

mendelssohn

mendelssohn

Posted
Posted (edited)

 

Equifax FICO 5 (EQ 04) 334-818:

 

Capital One Luv Button (Denial)

 

DCU (Digital FCU)

 

Langley FCU

 

Robins FCU

 

The Langley graphics show "FICO 5" but if FICO 5 only goes up to 818 then the score they give is not the FICO 5 general score. It might be a FICO 5 bankcard score or FICO 8 general score. My guess is they have switched to FICO 8 but have not updated the graphics on the page.

Keep in mind that the score ranges given by DCU also go up to 850, but it is still a FICO 5 score that tops out at 818.

 

Did you have a score higher than 818?

Edited by mendelssohn
rebuild2016

rebuild2016

Posted
Posted

Heads up EX Fico 2 from American Heritage Federal Credit Union. Not confirmed by me. I saw it on another site.

 

"Your FICO® Score 2 based on Experian Data, pulled on 05/01/16, is the same score that American Heritage Federal Credit Union uses to manage your account. Your FICO® Score is provided for your own non-commerical personal review and benefit."

rebuild2016

rebuild2016

Posted
Posted

Mortgage Scores (FICO 2, 4 and 5 = EX 98, TU 04 and EQ 04)

 

TransUnion FICO 4 (TU 04):

 

My Capital One denial says:

Scores range from a low of 309 to a high of 839.

 

It makes me think it is FICO 4 TU 04.

mendelssohn

mendelssohn

Posted
Posted

 

Mortgage Scores (FICO 2, 4 and 5 = EX 98, TU 04 and EQ 04)

TransUnion FICO 4 (TU 04):

My Capital One denial says:

Scores range from a low of 309 to a high of 839.

 

It makes me think it is FICO 4 TU 04.

Cap1 denial can get you any of the 3 since they typically pull all 3. Normally they give you EQ.

Heads up EX Fico 2 from American Heritage Federal Credit Union. Not confirmed by me. I saw it on another site.

 

"Your FICO® Score 2 based on Experian Data, pulled on 05/01/16, is the same score that American Heritage Federal Credit Union uses to manage your account. Your FICO® Score is provided for your own non-commerical personal review and benefit."

Do you have a link?

mendelssohn

mendelssohn

Posted
Posted (edited)

I moved Langley FCU from EQ 04 to EQ 08. As Tyra pointed out, the graphic they use still says it's a FICO 5 score, but that scoring model only goes up to 818. She had a score higher than 818. We are assuming that they updated to FICO 8 and are using the regular scoring model since that is what was used before.

 

 

FICO 2 (EX 98) FICO 4 (TU 04) and FICO 5 (EQ 04) (Used For Most Mortgages)

 

Experian FICO 2 (EX 98) 320-844 :

 

American Heritage FCU

 

NASA FCU

 

PSECU Experian FICO '04 Ex04 EX 98 score (need verification): (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])

 

 

TransUnion FICO 4 (TU 04) 309-839:

 

none currently available (purchase 3B from MF)

 

 

 

Equifax FICO 5 (EQ 04) 334-818:

 

Capital One Luv Button (Denial)

 

DCU (Digital FCU)

Robins FCU

 

 

 

 

FICO 8 Scores (EX 08, TU 08 and EQ 08)

 

Experian:

 

American Express

 

Chase Slate

 

Discover Credit Scorecard

 

Prosper

 

 

TransUnion:

 

Bank of America

Barclaycard

 

Discover

Lending Club

Walmart Synchrony MasterCard & Store Card

 

 

 

Equifax:

Elements FCU

 

Huntington Voice MasterCard

 

Langley FCU

 

NCSECU (quarterly)

 

 

 

Other FICO Scoring Models

 

Experian:

 

First National Bank of Omaha Experian FICO® 8 EX 08 Bankcard Score (PULLS ARS)

 

First Bankcard, a division of First National Bank of Omaha (PULLS ARS)

 

LA QUINTA®, RETURNS® (PULLS ARS)

 

Merrick Bank goScore (EX Bankcard Enhanced FICO 08 EX08 [250-900]) - Merrick gives you EX or TU

 

SF Fire Credit Union (Quarterly) - unconfirmed scoring model

 

Visions FCU MAY get Experian FICO when applying for loan products - unconfirmed scoring model

Wells Fargo FICO Bankcard 2 (250-900)

 

 

 

TransUnion:

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 TU08 [250-900]) - Merrick gives you EX or TU

 

Milestone Gold MasterCard Pre-Qualify (score only if denied) - unconfirmed scoring model

 

Partners 1st Federal Credit Union TransUnion FICO - unconfirmed scoring model,

 

 

Equifax:

 

Citibank Bankcard EQ 08 (250-900)

 

PenFed EQ NextGen 2 (150-950)

 

Suntrust Bank Bankcard EQ 08 (250-900)

 

Unitus Community CU (Oregon resident "...or if you live, work or worship in the State of Washington, you're eligible to join. ", Checking, e-Statements & Loan Product) - unconfirmed scoring model

Edited by mendelssohn
mendelssohn

mendelssohn

Posted
Posted

Heads up EX Fico 2 from American Heritage Federal Credit Union. Not confirmed by me. I saw it on another site.

 

"Your FICO® Score 2 based on Experian Data, pulled on 05/01/16, is the same score that American Heritage Federal Credit Union uses to manage your account. Your FICO® Score is provided for your own non-commerical personal review and benefit."

 

Actually, American Heritage FCU is already on the list.

rebuild2016

rebuild2016

Posted
Posted

 

Mortgage Scores (FICO 2, 4 and 5 = EX 98, TU 04 and EQ 04)

Equifax FICO 5 (EQ 04) 334-818:

 

Capital One Luv Button (Denial)

 

My Capital One EQ denial says:

Scores range from a low of 300 to a high of 850.

 

It makes me think it is not EQ FICO 5.

 

 

How do we know that the Capital One CLI denial is Equifax FICO Score 5 / EQ-04? It seems like it could have the same problem has Langley, with the range going up to 850.

mendelssohn

mendelssohn

Posted
Posted

I moved Langley FCU from EQ 04 to EQ 08. As Tyra pointed out, the graphic they use still says it's a FICO 5 score, but that scoring model only goes up to 818. She had a score higher than 818. We are assuming that they updated to FICO 8 and are using the regular scoring model since that is what was used before.

 

 

FICO 2 (EX 98) FICO 4 (TU 04) and FICO 5 (EQ 04) (Used For Most Mortgages)

 

Experian FICO 2 (EX 98) 320-844 :

 

American Heritage FCU

 

NASA FCU

 

PSECU Experian FICO '04 Ex04 EX 98 score (need verification): (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])

 

 

 

TransUnion FICO 4 (TU 04) 309-839:

 

none currently available (purchase 3B from MF)

 

 

 

Equifax FICO 5 (EQ 04) 334-818:

 

Capital One Luv Button (Denial)

 

DCU (Digital FCU)

 

Robins FCU

 

 

 

 

FICO 8 Scores (EX 08, TU 08 and EQ 08)

 

Experian:

 

American Express

 

Chase Slate

 

Discover Credit Scorecard

 

Prosper

 

 

 

TransUnion:

 

Bank of America

 

Barclaycard

 

Discover

 

Lending Club

 

Walmart Synchrony MasterCard & Store Card

 

 

 

Equifax:

 

Elements FCU

 

Huntington Voice MasterCard

 

Langley FCU

 

NCSECU (quarterly)

 

 

 

Other FICO Scoring Models

 

Experian:

 

First National Bank of Omaha Experian FICO® 8 EX 08 Bankcard Score (PULLS ARS)

 

First Bankcard, a division of First National Bank of Omaha (PULLS ARS)

LA QUINTA®, RETURNS® (PULLS ARS)

 

Merrick Bank goScore (EX Bankcard Enhanced FICO 08 EX08 [250-900]) - Merrick gives you EX or TU

 

SF Fire Credit Union (Quarterly) - unconfirmed scoring model

 

Visions FCU MAY get Experian FICO when applying for loan products - unconfirmed scoring model

 

Wells Fargo FICO Bankcard 2 (250-900)

 

 

 

TransUnion:

 

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 TU08 [250-900]) - Merrick gives you EX or TU

 

Milestone Gold MasterCard Pre-Qualify (score only if denied) - unconfirmed scoring model

 

Partners 1st Federal Credit Union TransUnion FICO - unconfirmed scoring model,

 

 

 

Equifax:

 

Citibank Bankcard EQ 08 (250-900)

 

PenFed EQ NextGen 2 (150-950)

 

Suntrust Bank Bankcard EQ 08 (250-900)

 

Unitus Community CU (Oregon resident "...or if you live, work or worship in the State of Washington, you're eligible to join. ", Checking, e-Statements & Loan Product) - unconfirmed scoring model

For anyone looking at the score ranges here and comparing to MF or a score you get from a creditor, keep in mind that FICO does not always cite the actual score ranges. The scores used most commonly for mortgages are the best examples.

  • 4 weeks later...
mendelssohn

mendelssohn

Posted
Posted

I'm looking for help with 3 things:

 

1. PSECU: someone with PSECU please confirm whether you receive an EX FICO 2 or FICO 3 score.

 

2. Langley FCU: Tyra pointed out that it can't be an EQ 04 (FICO 5) score because her score is above the max for that scoring model of 818. We are guessing that it is the regular EQ 08 (FICO 8) score, but it could also be a bankcard EQ 04 or bankcard EQ 08 score. If your score exceeds 850, please post it. If not, we are going to have to assume that it is a FICO 8 score for now.

 

3. Commerce Bank: they offer a free FICO, but don't say which CRA or scoring model. I'm looking for GPs. http://www.commercebank.com/fico/

 

 

 

 

 

 

FICO 2 (EX 98) FICO 4 (TU 04) and FICO 5 (EQ 04) (Used For Most Mortgages)

 

Experian FICO 2 (EX 98) 320-844 :

 

American Heritage FCU

 

NASA FCU

 

PSECU Experian FICO '04 Ex04 EX 98 score (need verification): (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD])

 

 

TransUnion FICO 4 (TU 04) 309-839:

 

none currently available (purchase 3B from MF)

 

 

 

Equifax FICO 5 (EQ 04) 334-818:

 

Capital One Luv Button (Denial)

 

DCU (Digital FCU)

Robins FCU

 

 

 

 

FICO 8 Scores (EX 08, TU 08 and EQ 08)

 

Experian:

 

American Express

 

Chase Slate

 

Discover Credit Scorecard

 

Prosper

 

 

TransUnion:

 

Bank of America

Barclaycard

 

Discover

Lending Club

Walmart Synchrony MasterCard & Store Card

 

 

 

Equifax:

Elements FCU

 

Huntington Voice MasterCard

 

Langley FCU

 

NCSECU (quarterly)

 

 

 

Other FICO Scoring Models

 

Experian:

 

First National Bank of Omaha Experian FICO® 8 EX 08 Bankcard Score (PULLS ARS)

 

First Bankcard, a division of First National Bank of Omaha (PULLS ARS)

 

LA QUINTA®, RETURNS® (PULLS ARS)

 

Merrick Bank goScore (EX Bankcard Enhanced FICO 08 EX08 [250-900]) - Merrick gives you EX or TU

 

SF Fire Credit Union (Quarterly) - unconfirmed scoring model

 

Visions FCU MAY get Experian FICO when applying for loan products - unconfirmed scoring model

Wells Fargo FICO Bankcard 2 (250-900)

 

 

 

TransUnion:

Merrick Bank goScore (TU Bankcard Enhanced FICO 08 TU08 [250-900]) - Merrick gives you EX or TU

 

Milestone Gold MasterCard Pre-Qualify (score only if denied) - unconfirmed scoring model

 

Partners 1st Federal Credit Union TransUnion FICO - unconfirmed scoring model,

 

 

Equifax:

 

Citibank Bankcard EQ 08 (250-900)

 

PenFed EQ NextGen 2 (150-950)

 

Suntrust Bank Bankcard EQ 08 (250-900)

 

Unitus Community CU (Oregon resident "...or if you live, work or worship in the State of Washington, you're eligible to join. ", Checking, e-Statements & Loan Product) - unconfirmed scoring model

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