Nordstrom- All 3
Discover $21k | Venture $20k | Quicksilver $15k | NICU Rewards MC $13.5k | Costco $14.5k | Citi Costco $12.5k | Chase Sapphire Reserve $10k | Barclay Apple $9.6k | Best Buy MC $10k | Merrick Bank Visa (formerly Hooters) $2.6k |
@Anonymous wrote:
Personal experience, no warranty.
Thank you! One question, when you list EX Fico Score 4, this that something we can pull?
@Anonymous wrote:
@Anonymous wrote:
Personal experience, no warranty.
Thank you! One question, when you list EX Fico Score 4, this that something we can pull?
Yes purchase the report from here and it will have about 6 different scores and 04 is one of them for each CB
@CreditCuriousity wrote:
@Anonymous wrote:
@Anonymous wrote:
Personal experience, no warranty.
Thank you! One question, when you list EX Fico Score 4, this that something we can pull?
Yes purchase the report from here and it will have about 6 different scores and 04 is one of them for each CB
Actually I did pull from here, and that is why I asked - I pulled on June 1st and Fico score 04 is only listed on TU. If it is the same score on the other bureuas, the mortgage score, on EQ it is called Fico 5 and on Ex it is called score 2. But there are also bankdcard scores as well, TU has mortgage score Fico4 and Bankcard 4, as far as I can see EQ and EX have no scores with the number 4 in them. That is why I am confused and could use a little help.
Thanks!
@Anonymous wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@Anonymous wrote:
Personal experience, no warranty.
Thank you! One question, when you list EX Fico Score 4, this that something we can pull?
Yes purchase the report from here and it will have about 6 different scores and 04 is one of them for each CB
Actually I did pull from here, and that is why I asked - I pulled on June 1st and Fico score 04 is only listed on TU. If it is the same score on the other bureuas, the mortgage score, on EQ it is called Fico 5 and on Ex it is called score 2. But there are also bankdcard scores as well, TU has mortgage score Fico4 and Bankcard 4, as far as I can see EQ and EX have no scores with the number 4 in them. That is why I am confused and could use a little help.
Thanks!
04 equivalents for each CB one the scores you see would be the lender scores being for TU it would be 04, Equifax it would be Fico 5 and Experian Fico 2.. Hope this helps clear up the confusion you might be having. So yes use the Mortgage scores which you have correct as some banks use those such as US Bank for example. Most CC Companies use Fico 08, although some use other scores as well as there are literally 100's if not 1000's of itererations of Fico scores with twists. Most big banks use Fico 08 now days with a possible internal scoring method as well, with the exception of some like us Bank that uses the mortgage scores, but have also heard they have used CC enchanced scores as well, so it gets pretty confusing at least to me.
With that said, scores usually are only a mild guage of your credit health.. Don't count on those alone as it is your credit profile that creates the score and ultimately is what will get you approved or declined for a credit product, not the score. Being utilization, Iniquires, DTI among many other factors
@uswala wrote:
@Anonymous wrote:
Personal experience, no warranty.
This has been pretty much the case for me but US Bank has pulled EQ for both my approvals.
For me Discover pulls EQ, and Synchrony pulls TU, with everything else being same.
I'm in So Cal.
