Who actually uses the FICO 8???

[Anonymous]

So I just joined myfico and realized I've got commonly used scores specific to mortgage, auto and credit card lending... If they're all using these other scores, who is actually using the "most widely used" FICO 8? My FICO 8 is much higher than these other scores. Totally confused.

[Anonymous]

Despite the availability of the Bankcard Enhanced version, most credit card issuers use Fico 8 classic. A handful use the enhanced versions; for example Citi used it for my recent DC approval. And some, Chase for example, use their own internal scoring system.

[SouthJamaica]

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@Anonymous wrote:

So I just joined myfico and realized I've got commonly used scores specific to mortgage, auto and credit card lending... If they're all using these other scores, who is actually using the "most widely used" FICO 8? My FICO 8 is much higher than these other scores. Totally confused.

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According to American Express, it uses FICO 8:  "our FICO® Score 8 based on Experian data is the same score used by American Express"