02-01-2012 06:30 AM - edited 02-01-2012 06:32 AM
im pretty sure the majority of lenders use fico scores... the EQ fico score from here should\will be the same as the EQ fico score you bought from equifax.com
On a different note, i've noticed the last couple of months that a lot of lenders pull EX and TU instead of EQ... maybe thats just me though.
there is no real list out there that shows what CCC pulls EQ only though... a lot of CCC's apparently pull different CR's according to your location...
02-01-2012 06:31 AM
I believe it to be random. Discover pulled my Equifax.
02-01-2012 06:45 AM
Be aware that your FICO score may be part of the decision, but ultimately it is the information on your reports that determines if you are approved.
Many lenders use their own in-house scoring systems, which look at many things, including your score, to process your application.
02-01-2012 07:05 AM
I just went to Equifax and bought my Equifax Fico score - 725
Who uses this model/report for credit card decisions?
You have to be very careful what you buy from EQ. Yes they sell an EQ FICO but they also sell their own proprietary "Equifax Credit Score" that is not a FICO and is not used by any lenders. If what you got said "FICO" anywhere then you should be good to go.
Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
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