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Chase Fico

Frequent Contributor

Chase Fico

Can anyone conifrm if Chase uses Fico 8 for credit cards

Message 1 of 8
7 REPLIES
Valued Member

Re: Chase Fico


mandm5698 wrote:

Can anyone conifrm if Chase uses Fico 8 for credit cards


From my experience, they have their own scoring system for card acquisitions.  

Message 2 of 8
Established Contributor

Re: Chase Fico

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)

 

 

 

 

 

 

Message 3 of 8
Established Contributor

Re: Chase Fico

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

Message 4 of 8
Established Contributor

Re: Chase Fico


CreditContractor 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).


TU FICO 8: 750 (11/17) — Ex FICO 8: 732 (12/17)
Message 5 of 8
Established Member

Re: Chase Fico

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. 

Message 6 of 8
Frequent Contributor

Re: Chase Fico

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.

Message 7 of 8
New Contributor

Re: Chase Fico

I can't remember what my FU used, but both my Freedom and Amazon used Chase's internal score.

Chase Freedom UnlimitedChase FreedomAmazon Prime Rewards Visa SignatureCapital One QuicksilverPenFed Power Cash Rewards Visa Signature
Message 8 of 8