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And lender use eq bank card 05 fico ?

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mrldp40
Established Contributor

And lender use eq bank card 05 fico ?

Currently my highest score since 2008 642
ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 1 of 10
9 REPLIES 9
mrldp40
Established Contributor

Re: And lender use eq bank card 05 fico ?

bump

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 2 of 10
mrldp40
Established Contributor

Re: And lender use eq bank card 05 fico ?

bump

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 3 of 10
AverageJoesCredit
Legendary Contributor

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
Message 4 of 10
mrldp40
Established Contributor

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


 

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 5 of 10
Anonymous
Not applicable

Re: And lender use eq bank card 05 fico ?


@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.

Message 6 of 10
mrldp40
Established Contributor

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

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 7 of 10
AverageJoesCredit
Legendary Contributor

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
Message 8 of 10
Anonymous
Not applicable

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.

Message 9 of 10
mrldp40
Established Contributor

Re: And lender use eq bank card 05 fico ?

Even though no one uses it my eq 05 bank card score is 690 my only score in the good credit category.eq o5 mortgage is 657
ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 10 of 10
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