Fico 9

[Shawndoe79]

my bank states that they use auto enhanced fico 9, can anybody tell me their experience with this or how a consumer may see this version??

[Anonymous]

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@Shawndoe79 wrote:

my bank states that they use auto enhanced fico 9, can anybody tell me their experience with this or how a consumer may see this version??

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Welcome to the forums.

Are you sure they said Fico 9 and not 8?  There is no way to see your Fico 9 auto enhanced score.  Very few lenders are using Fico 9 for anything.  What bank?

[Shawndoe79]

Yes they said auto enhanced fico 9.  The bank is first commerce credit union here in Tallahassee Florida 

[EW800]

Interesting.  I believe this is the first that I have heard of FICO 9 being used out in the real world, as I know it can takes years for some of these new models to catch on.  It will be interesting to see if we hear of more reports of FICO 9 use in the coming months.  

I know I would love to know what my FICO 9 scores are...

[Anonymous]

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@Shawndoe79 wrote:

Yes they said auto enhanced fico 9.  The bank is first commerce credit union here in Tallahassee Florida 

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That's the first I've heard of anyone using it.  It could be years if ever most creditors start using it.  Heck some are still stuck on the 04 model (mortgage lenders)

[Shawndoe79]

Yes I'm just as shocked as you guys are. I asked them did they mean fico 8 and currently awaiting a reply. I will let u know what they say tomorrow. 

[Shawndoe79]

This is the response I received after asking if they meant fico 8.  "

Fico 9 is the latest version that was introduced in late 2014, and we also use this for our credit cards as well.

We'd be happy to discuss our loan products and some options with you."

[sarahlee7]

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@Anonymous wrote:

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@Shawndoe79 wrote:

Yes they said auto enhanced fico 9.  The bank is first commerce credit union here in Tallahassee Florida 

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That's the first I've heard of anyone using it.  It could be years if ever most creditors start using it.  Heck some are still stuck on the 04 model (mortgage lenders)

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USBank pulled an 02 on me this year.

[lg8302ch]

I did not even know Fico 9 existed 

[Anonymous]

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@Shawndoe79 wrote:

This is the response I received after asking if they meant fico 8.  "

Fico 9 is the latest version that was introduced in late 2014, and we also use this for our credit cards as well.

We'd be happy to discuss our loan products and some options with you."

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Thanks for the update.  They definitely have to be one of the few.