08-07-2012 07:29 PM
|Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: 31k+
Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO