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Hey guys, I'm happy to see these posts. I'm in the same situation. I want to trade up from a 2012 acura sh awd for a 2017-18 used audi s6. However my scores are as follows: EXPERIAN AUTO FICO scores: 656 v.2/ 609 v.8. EQUIFAX AUTO FICO SCORES: 645 v.5/656 v.8. T.U. 670 v.4/682/v.8. Cosigned on a repo--one year old.
I've wondered what exactly it means when someone has a score between 851 and 900 on the auto and credit-card enhanced versions. Does the range of 851 to 900 just indicate a super premium buyer (so a perfect 850+50), or would you take: FICO Classic: 720/850 = 0.847. FICO Bankcard: 900 X 0.847 = 762.3. So to have an equivalent 720 FICO score on ...
Some FICO editions are commonly known by the year of introduction: FICO 98, FICO 04, and FICO 08 (although FICO now calls it FICO Score 8, without the zero). The most recent edition is FICO Score 10 introduced in 2020. As of 2020, FICO Score 8 is the most commonly used.
Re: What model does chase use? @Girlzilla88 wrote: On my Chase Credit Journey it shows EX Vantage 3.0, but I'm not sure if that is what they used to pull my application or not a few years back but of course things could have changed but Currently online the Credit Journey shows EX Vantage 3.0.
Sheffield Financial pulled my TransUnion credit report which presently reflects a FICO score of 725. However, Sheffield Financial's loan documents outline the scoring model they use indicates my TransUnion score is 675. I chose the the 0.99% for 48 months financing option. I took the mower for a test cut on a few lawns and am happy with the ...
Re: Synchrony has their own scoring model now. @Anonymous wrote: So I just got my Marvel card in the mail and went to look at my credit score and it said 521... I was like what the FICO and then I noticed it said the source was Synchrony Bank. Low of 300, high of 620. It is sensitive to credit seeking behaviors, actually punishing me more for ...
There are other posts out there mentioning this (never recalled it before) and "9002" is a code that refers to a credit profile that lacks sufficient info to generate a FICO score. Could any of these be the culprit on Experian (ignore the other two): In order for a FICO® score to be calculated, a report must contain these minimum requirements:
As for simulators, I believe it's mostly entertainment. Everyone's credit profile is so unique and there are so many different scoring factors, which differ from 1 CRA to another. It's very difficult to simulate. As for old scores "kept in database" - that has all sorts of privacy implications and is actually pretty scary.
Re: Differences in Fico 9 compared to Fico 8. I noticed two things in the Fico 9 model. One, that it dings your score at least three times more, compared to the model 8, for having more of a revolving balance. Two, it raises the score more the closer your credit cards are to a zero balance. And lastly, Wells Fargo Bank uses the model 9.
Re: Which FICO score version does Navy federal credit union NFCU pull? See above. It does NOT seem to be state specfic. NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more! Total CL $398600, plus car and RV loan.