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Established Contributor
Posts: 546
Registered: ‎03-07-2007
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And lender use eq bank card 05 fico ?

Currently my highest score since 2008 642
fico 08 08/01//2017 tu 629 eq 637
ex 611 overstock 0/2250 disc secured 0/ 300 credit one 0/450 navy c rewards 1000/3500 navy plat mc 0/2000 penfed oloc 0/500 x 2 mjc 0/5000 wally world 0/200 carecredit 0/800 eq 05 bankcard 669 if i knew who pulled it
Established Contributor
Posts: 546
Registered: ‎03-07-2007
0 Kudos

Re: And lender use eq bank card 05 fico ?

bump

fico 08 08/01//2017 tu 629 eq 637
ex 611 overstock 0/2250 disc secured 0/ 300 credit one 0/450 navy c rewards 1000/3500 navy plat mc 0/2000 penfed oloc 0/500 x 2 mjc 0/5000 wally world 0/200 carecredit 0/800 eq 05 bankcard 669 if i knew who pulled it
Established Contributor
Posts: 546
Registered: ‎03-07-2007
0 Kudos

Re: And lender use eq bank card 05 fico ?

bump

fico 08 08/01//2017 tu 629 eq 637
ex 611 overstock 0/2250 disc secured 0/ 300 credit one 0/450 navy c rewards 1000/3500 navy plat mc 0/2000 penfed oloc 0/500 x 2 mjc 0/5000 wally world 0/200 carecredit 0/800 eq 05 bankcard 669 if i knew who pulled it
Senior Contributor
Posts: 8,234
Registered: ‎04-23-2016

Re: And lender use eq bank card 05 fico ?

No clue but wouldnt use it to gage future cc approvals. Stick with Fico 8 for now , just because its most used Smiley Wink
Established Contributor
Posts: 546
Registered: ‎03-07-2007

Re: And lender use eq bank card 05 fico ?

thanks for the advice ajc  reason i was asking is i think navy cloc turn me down a few months ago and the letter stated fico 05 was used but im not sure also i learned dcu uses it but probally wont apply i here there hard to land and need lots of docs


AverageJoesCredit wrote:
No clue but wouldnt use it to gage future cc approvals. Stick with Fico 8 for now , just because its most used Smiley Wink


 

fico 08 08/01//2017 tu 629 eq 637
ex 611 overstock 0/2250 disc secured 0/ 300 credit one 0/450 navy c rewards 1000/3500 navy plat mc 0/2000 penfed oloc 0/500 x 2 mjc 0/5000 wally world 0/200 carecredit 0/800 eq 05 bankcard 669 if i knew who pulled it
Senior Contributor
Posts: 3,838
Registered: ‎11-11-2015

Re: And lender use eq bank card 05 fico ?

[ Edited ]

mrldp40 wrote:

thanks for the advice ajc  reason i was asking is i think navy cloc turn me down a few months ago and the letter stated fico 05 was used but im not sure also i learned dcu uses it but probally wont apply i here there hard to land and need lots of docs


AverageJoesCredit wrote:
No clue but wouldnt use it to gage future cc approvals. Stick with Fico 8 for now , just because its most used Smiley Wink


 


DCU uses the Equifax FICO 5 mortgage score, not Equifax FICO Bankcard score 5.

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $27750 **As of 8/14/17** EX- 748(22) TU- 756(19) EQ- 728(14) UTI 12%- Clean Files-
Established Contributor
Posts: 546
Registered: ‎03-07-2007

Re: And lender use eq bank card 05 fico ?

ok thanks men , my bankcd 05 is 654  but idk of anyone that uses it . my 05 mortgage is 646 this score model is fairly popular DCU CAP 1  AND NAVY have all turn me down beforeusing eq 05  i think i may qualify for a cloc but they wont pull a new report applied 2 times there using a report that has a score of 617 05 which i actually though would get my a approval  i guess  i should leave them alone for a few months they have been very generous to me so far

fico 08 08/01//2017 tu 629 eq 637
ex 611 overstock 0/2250 disc secured 0/ 300 credit one 0/450 navy c rewards 1000/3500 navy plat mc 0/2000 penfed oloc 0/500 x 2 mjc 0/5000 wally world 0/200 carecredit 0/800 eq 05 bankcard 669 if i knew who pulled it
Senior Contributor
Posts: 8,234
Registered: ‎04-23-2016
0 Kudos

Re: And lender use eq bank card 05 fico ?

Yeah probably a good idea. I still dont truely understand the cloc and why everyone seems to clamor for it. I understand it provides an overdraft protection but holy cow 15k worth. Im sure it has its uses and blessed be ,lol, to all who have and want it, i just dont think i need itSmiley Wink
Established Contributor
Posts: 713
Registered: ‎01-16-2017

Re: And lender use eq bank card 05 fico ?


AverageJoesCredit wrote:
Yeah probably a good idea. I still dont truely understand the cloc and why everyone seems to clamor for it. I understand it provides an overdraft protection but holy cow 15k worth. Im sure it has its uses and blessed be ,lol, to all who have and want it, i just dont think i need itSmiley Wink

Perhaps because NFCU is generous when you have low scores.  When I applied for Go  Rewards I was approved for 6500 instantly with 580 FICO.  So read everyone saying you should get CLOc for 15000 was denied after they pulled Equifax and Trans Union.  I was kind of mad at myself for applying for something I had no need for.  And got three pulls on Trans Union on the same day from NFCU.  Not that it matters as I now have 11 pulls on TU and haven't been denied for anything since then.

January 1 2017 Experian 507
January 15 2017 Experian 527 Transunion 528 Equifax 529
August 1 2017 Experian 702, Transunion 711, Equifax 715

BOA Cash Rewards, AMEX BCE, AMEX PRG, CITI AADvantage Platinum, Chase Southwest Premier, Barclay Arrival +, Barclay AAdvantage Red Aviator, USAA Prefered Cash Rewards , Cap One Quicksilver, Lendup L card, JCrew, Pottery Barn, Express, NFCU Go Rewards.. 130k total credit lines.

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