do any lender acrually use fico 08 or 08 bankcard??

[mrldp40]

all my recently pulls are using morgage scores ,05 ,04 02   ive never gotten a denial from companys saying there using 08 ,can yall tell me a few?

[bigpoppa09]

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@mrldp40 wrote:

all my recently pulls are using morgage scores ,05 ,04 02   ive never gotten a denial from companys saying there using 08 ,can yall tell me a few?

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Chase uses Fico08 plus a internal score so does Amex Boa uses Fico 08 so does Syncrony Bank also Discover.

[mrldp40]

that explains it . i been dealing with alot of credit unions plus cap1 pulled 04 tu on me 

[sarge12]

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@mrldp40 wrote:

all my recently pulls are using morgage scores ,05 ,04 02   ive never gotten a denial from companys saying there using 08 ,can yall tell me a few?

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I actually thought this heading was a joke, since Fico 08 and Bankcard 08 are probably the most used scores of all by credit card issuers.

[bigpoppa09]

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@mrldp40 wrote:

that explains it . i been dealing with alot of credit unions plus cap1 pulled 04 tu on me 

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Sho u right.

[bigpoppa09]

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@sarge12 wrote:

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@mrldp40 wrote:

all my recently pulls are using morgage scores ,05 ,04 02   ive never gotten a denial from companys saying there using 08 ,can yall tell me a few?

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I actually thought this heading was a joke, since Fico 08 and Bankcard 08 are probably the most used scores of all by credit card issuers.

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Nope most credit unions use Fico 04 as mentioned earlier also Cap 1.

[mrldp40]

no, no joke for sure  . i see its the big banks that use them my 08 scores are better than the others they just never get pulled

[sarge12]

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@bigpoppa09 wrote:

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@sarge12 wrote:

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@mrldp40 wrote:

all my recently pulls are using morgage scores ,05 ,04 02   ive never gotten a denial from companys saying there using 08 ,can yall tell me a few?

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I actually thought this heading was a joke, since Fico 08 and Bankcard 08 are probably the most used scores of all by credit card issuers.

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Nope most credit unions use Fico 04 as mentioned earlier also Cap 1.

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But most credit cards are not issued by credit unions....Chase. Amex, Barclay, and discover I think uses Fico 08...Citi uses Fico Bankcard 08 I think...credit unions are a much smaller segment of the credit card market.

[mrldp40]

thats true  but navy gave me a chance my scores are too low for major banks at the moment i have a discover secured going on 2 months hopeing its secures later on. 

[bigpoppa09]

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@mrldp40 wrote:

thats true  but navy gave me a chance my scores are too low for major banks at the moment i have a discover secured going on 2 months hopeing its secures later on. 

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There have been alot of reports of Discover unsecuring after 7th statement.