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Contributor
daveg38
Posts: 190
Registered: ‎01-01-2012

Who Uses Equifax FICO Score For Credit Cards?

I just went to Equifax and bought my Equifax Fico score - 725  :smileyhappy:

 

Who uses this model/report for credit card decisions?

FICO's: Transunion: 633 (1/2013) | Equifax: 571 (MF 1/2013) Goal: 750 each | FAKO's: Transunion: 731 | Equifax: 682 | Experian: 634

USAA Platinum Visa $11400 | Barclaycard Visa $500 | Cappy1 $750 | Orchard $300 (File 13 Date: 2/2013 - On target) | BOFA Americard Cash Rewards $5000 | Chase Freedom $4500 | NFCU nRewards $5000 | Barclay Ring $5000 | Walmart Store $400 | Chase Slate $2500
Frequent Contributor
nwokcguy
Posts: 351
Registered: ‎01-07-2012

Re: Who Uses Equifax FICO Score For Credit Cards?

Google lender pulls.


| EQ 763 |
| Amex BCE 7500 | Marriott Rewards Premier 5500 | Citi Simplicity 4000 | Discover IT 1700 |

Frequent Contributor
Juan123
Posts: 494
Registered: ‎04-16-2011

Re: Who Uses Equifax FICO Score For Credit Cards?

[ Edited ]

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...


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


Take the FICO Fitness Challenge

Long way to go ^_^
Regular Contributor
To-Be-Continued
Posts: 197
Registered: ‎06-08-2011

Re: Who Uses Equifax FICO Score For Credit Cards?

I believe it to be random. Discover pulled my Equifax.

 

 

TBC

AUDE VIDE TACE :
Starting Score: 684
Current Scores: EQ 796 TU 794 EX 750 (All lender pulls on 2/9/12)
Goal Score: 800 all 3
Contributor
daveg38
Posts: 190
Registered: ‎01-01-2012

Re: Who Uses Equifax FICO Score For Credit Cards?

I froze all three and only want to open up Equifax for business as this has the lowest 2 yr INQ's (8) and best DTI.

FICO's: Transunion: 633 (1/2013) | Equifax: 571 (MF 1/2013) Goal: 750 each | FAKO's: Transunion: 731 | Equifax: 682 | Experian: 634

USAA Platinum Visa $11400 | Barclaycard Visa $500 | Cappy1 $750 | Orchard $300 (File 13 Date: 2/2013 - On target) | BOFA Americard Cash Rewards $5000 | Chase Freedom $4500 | NFCU nRewards $5000 | Barclay Ring $5000 | Walmart Store $400 | Chase Slate $2500
Moderator
pizzadude
Posts: 8,114
Registered: ‎01-28-2010

Re: Who Uses Equifax FICO Score For Credit Cards?

 

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.

 

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
visorboy1974
Posts: 1,101
Registered: ‎05-17-2010

Re: Who Uses Equifax FICO Score For Credit Cards?

Nordstrom is one of them...but they may also pull TU if you're borderline for approval.  

Super Contributor
CS800
Posts: 6,542
Registered: ‎04-07-2008

Re: Who Uses Equifax FICO Score For Credit Cards?


To-Be-Continued wrote:

I believe it to be random. Discover pulled my Equifax.

 

 

TBC



Discover generally pulls EQ. At least they did for me.






Senior Contributor
Open123
Posts: 3,849
Registered: ‎02-23-2011

Re: Who Uses Equifax FICO Score For Credit Cards?

In California, for me I've seen Chase, US Bank, Discover, and GE all pull Equifax exclusively.

Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

Re: Who Uses Equifax FICO Score For Credit Cards?


daveg38 wrote:

I just went to Equifax and bought my Equifax Fico score - 725  :smileyhappy:

 

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

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


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