topic Re: Chase Fico in Credit Card Applications

Chase Fico

Anonymous — Mon, 11 Sep 2017 19:44:39 GMT

Can anyone conifrm if Chase uses Fico 8 for credit cards

Re: Chase Fico

sto0pyd — Mon, 11 Sep 2017 20:03:45 GMT

@Anonymous wrote:
Can anyone conifrm if Chase uses Fico 8 for credit cards

From my experience, they have their own scoring system for card acquisitions.

Re: Chase Fico

Anonymous — Tue, 12 Sep 2017 00:45:35 GMT

I checked the welcome/card letter for all 3 of my Chase accounts.

Both Freedoms (one closed due to sheety terms) pulled data from Experian but under "information about your score" it says:

Scoring System Name : Card Acquisition Risk Score

Source : Chase Bank USA

Score Range : 250 - 900 (Definitely not FICO8)

Chase Ink Cash:

Scoring System Name : FICO Score

Source : Transunion

Score Range : 250 - 900 (Probably FICO8 Bankcard)

sto0pyd is probably right on personal cards.

Edit for data point

When I applied the first time, my EX FICO8 with a $50 collection account was 710 while Chase Acquisition Risk Score showed 640. When I applied again 1.5 months later without the collection account, my FICO8 was 815 while Chase Acquisition Risk Score showed 731.

Re: Chase Fico

Anonymous — Tue, 12 Sep 2017 01:05:34 GMT

I have a CSP and an FU. This is the free credit score they give you with their cards. You can go through Chase internally or straight to this website below. Both are actually TU Vantage 3.0.

https://www.chase.creditviewdashboard.com/CreditView/login.page?enterprise=ChaseBankNA

Re: Chase Fico

Anonymous — Wed, 13 Sep 2017 18:33:43 GMT

@Anonymous wrote:
I have a CSP and an FU. This is the free credit score they give you with their cards. You can go through Chase internally or straight to this website below. Both are actually TU Vantage 3.0.

https://www.chase.creditviewdashboard.com/CreditView/login.page?enterprise=ChaseBankNA

Slate is an exclusion to that though, since it gives an EX FICO score (Not Credit Journey).

Re: Chase Fico

Anonymous — Wed, 13 Sep 2017 18:45:39 GMT

For the CSP, it's their own score. When I received the letter with my credit card, it had Chase's own score (724) which is different from any of my FICOs. However, they did pull TU.

Re: Chase Fico

Anonymous — Thu, 14 Sep 2017 15:30:31 GMT

I had a denial and the letter showed my score 20 points higher than my EX Fico 8 (they pulled EX). Was wondering if I could anticipate the increase or if it was their scoring.

Re: Chase Fico

Anonymous — Thu, 14 Sep 2017 20:27:39 GMT

I can't remember what my FU used, but both my Freedom and Amazon used Chase's internal score.