Chase Score Question

[elvigy]

A couple of weeks ago, I applied for the Chase Slate and after a couple of recon calls was approved. They pulled Equifax and my FICO score with them is 753 (it was 764 befor the Chase inq) but my letter from Chase says my score is 720. I didn't worry about it much since I did get it approved but this morning was re-reading the paperwork and noticed that the 720 is not a FICO score. It's something they called "Application Score" with a range of 100-990.

Is this unusual? Does Chase not use FICO scores in its decisions?

[navigatethis12]

They usually use the Vantage Score as their scoring model. I only received a FICO once.

[elvigy]

Weird. According to what I've Googled, the Vantage score goes from 501 to 990. Learned something else now. However, the score range they gave me says 100-990 so I'm not sure what that is.

[pizzadude]

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@navigatethis12 wrote:

They usually use the Vantage Score as their scoring model. I only received a FICO once.

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Chase has been known to use Vantage score for some products, some of the time, but not always.   They might pull a FICO score also.

[pizzadude]

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@elvigy wrote:

Weird. According to what I've Googled, the Vantage score goes from 501 to 990. Learned something else now. However, the score range they gave me says 100-990 so I'm not sure what that is.

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It could very well be Chase's own proprietary scoring system, certainly not a FICO score and very likely not Vantage either.

[sccredit]

Chase has their own system they score with.  No rhyme or reason that any of us can figure out.  

[elvigy]

Yes, that seems to be the case. Even Google has failed me. Thanks!