08-07-2012 07:29 PM
|Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012
|Amex Zync(Unicorn) |
08-07-2012 07:41 PM
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.
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