Trouble Understanding Large Drop in Equifax FICO Score

[Anonymous]

it would be helpful if this could be stickied because it is extremely useful.

(edited to remove image. kooota, please do not insert such images in your posts.)

Message Edited by Scamp on 06-07-2009 04:29 PM

[Anonymous]

HTSU wrote:  ***OK, OK, for you Alliant folks: Alliant offers the FICO EX Next-Gen score. It is not the classic EX FICO score. Also, the HSBC Sears/ KMart card will tell you your classic TU FICO score.

Now, I am really confused.  DH has Alliant (I'm a mere AU).  I know they only pull EQ - but the score they offer on their accounts is EX?

[llecs]

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utah2009 wrote:

HTSU wrote:  ***OK, OK, for you Alliant folks: Alliant offers the FICO EX Next-Gen score. It is not the classic EX FICO score. Also, the HSBC Sears/ KMart card will tell you your classic TU FICO score.

Now, I am really confused.  DH has Alliant (I'm a mere AU).  I know they only pull EQ - but the score they offer on their accounts is EX?

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While they do offer the EX FICO NextGen, they just don't use that score for considering apps.

http://www.alliantcreditunion.org/services/onlinebanking/creditscore/