No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Can anyone conifrm if Chase uses Fico 8 for credit cards
@Anonymous wrote:Can anyone conifrm if Chase uses Fico 8 for credit cards
From my experience, they have their own scoring system for card acquisitions.
I checked the welcome/card letter for all 3 of my Chase accounts.
Both Freedoms (one closed due to sheety terms) pulled data from Experian but under "information about your score" it says:
Scoring System Name : Card Acquisition Risk Score
Source : Chase Bank USA
Score Range : 250 - 900 (Definitely not FICO8)
Chase Ink Cash:
Scoring System Name : FICO Score
Source : Transunion
Score Range : 250 - 900 (Probably FICO8 Bankcard)
sto0pyd is probably right on personal cards.
Edit for data point
When I applied the first time, my EX FICO8 with a $50 collection account was 710 while Chase Acquisition Risk Score showed 640. When I applied again 1.5 months later without the collection account, my FICO8 was 815 while Chase Acquisition Risk Score showed 731.
I have a CSP and an FU. This is the free credit score they give you with their cards. You can go through Chase internally or straight to this website below. Both are actually TU Vantage 3.0.
https://www.chase.creditviewdashboard.com/CreditView/login.page?enterprise=ChaseBankNA
@Anonymous wrote:I have a CSP and an FU. This is the free credit score they give you with their cards. You can go through Chase internally or straight to this website below. Both are actually TU Vantage 3.0.
https://www.chase.creditviewdashboard.com/CreditView/login.page?enterprise=ChaseBankNA
Slate is an exclusion to that though, since it gives an EX FICO score (Not Credit Journey).
For the CSP, it's their own score. When I received the letter with my credit card, it had Chase's own score (724) which is different from any of my FICOs. However, they did pull TU.
I had a denial and the letter showed my score 20 points higher than my EX Fico 8 (they pulled EX). Was wondering if I could anticipate the increase or if it was their scoring.
I can't remember what my FU used, but both my Freedom and Amazon used Chase's internal score.