US BANK FREE CREDIT SCORE??

[mossmanb5]

I just registered my harley davidson secured cc online. on the left side of the page theres a click on link type thing that says check your credit score for free. i clicked on it but it says due to system maintenence we cannot proceed.  my question is what fico score do they use. i already get a free tu score from discover and walmart and i pay for a eq advantage plan so it would be nice if it was equifax or experian.

[corymcd88]

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@mossmanb5 wrote:

I just registered my harley davidson secured cc online. on the left side of the page theres a click on link type thing that says check your credit score for free. i clicked on it but it says due to system maintenence we cannot proceed.  my question is what fico score do they use. i already get a free tu score from discover and walmart and i pay for a eq advantage plan so it would be nice if it was equifax or experian.

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It is junk, I have it.

[mossmanb5]

who do they use

[trumpet-205]

It is Experian Plus score, a scoring model developed by Experian alone. Has nothing to do with FICO.

[mossmanb5]

so basiclly its like ck score.

[trumpet-205]

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@mossmanb5 wrote:

so basiclly its like ck score.

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CK score, aka VantageScore, is actually being used by several lenders. I know Chase do use it.

EX PLUS is more of a reference score for those who ordered CR from EX. Maybe some lenders use them, but IDK.

[B335is]

Mine has said "under maintenance" for the last 4 months. 

[Themanwhocan]

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@mossmanb5 wrote:

who do they use

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Its not so much who they use, as what they use. And what they use, is the same score they gave you last month. Over, and over, and over again...

[Anonymous]

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@B335is wrote:

Mine has said "under maintenance" for the last 4 months. 

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I got my new account recently, it's also under maintenance...I should call and find out what's up with this.

[takeshi74]

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@Themanwhocan wrote:

Its not so much who they use, as what they use.

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Who and what both affect scoring.