Penfed scoring model

[CS800]

Just found out yesterday that Penfed uses a scoring model with a range 150-950. Maybe the bankcard enhanced FICO?

Is that the Pinnacle 2.0 which weights revolving debt more heavily like 1/3?

I think Alliant uses the same model.

[GregB]

All BankCard Industry FICO have a theoretical range of 250-950, 50 points more and 50 points less than Classic FICO range of 300-850.

Your 150-950 score range only matches the high.

If that is for an application for new credit and they pulled TU, it is their New Account Model. This is a non-FICO score. I believe the other CRAs have a simliar risk score with a similar range.

150-950 also matches most Insurance risk scores. 

[CS800]

I says on the application ,they pulled EQ, that's why I was confused since by looking at the score I thought it was TU's Vantage. But they do mention Equifax

[drkaje]

It's pretty amusing that a company offering the best long-term balance transfer deals weighs utilization so heavily. A few years ago they offered 2.99% for the life of the loan with no BT fee.

It could just be my twisted sense of humor.

[GregB]

CS800,

Vantage 1.0 and 2.0 have score range of 501-990 with all three CRAs.