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

Regular Contributor

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

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.

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!


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Super Contributor

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

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.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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