|Current: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
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|Amex Zync(Unicorn) |
Citi DC $10,000
What's the TU score most lenders are using now?
On the whole, still FICO '04.
There are a few (NFCU perhaps) that use a '98 model; however, more and more of the national lenders appear to be moving to FICO '08 pulls. Discover, Amex, Chase are principal candidates, though many of these probably pull the Credit-enhanced industry option too and I think the Wally FICO is the same as here: Classic.
End of the day, the only thing we can really count on is that the EQ score found here or from DCU, and the EX score from PSECU, will be used for a mortgage application, and everything else, well your mileage *will* vary unfortunately.