How do you know which credit model is being used from CRA or credit card companies.

[luckelle]

Im really lost as to how some of the members now what fico score model is being used. Not that it matters much but if it comes up with creditors i will know if my score will be lower or high. Any help is appreciated.

[pizzadude]

Sometimes people have called their creditors and been able to get an exact answer. Other times people have inferred based on pulling a particular score and then seeing the same score provided by a creditor. If you have a particular creditor in mind just do a search on their name and you hopefully be able to get an answer.