topic Just for Data Points in Auto Loans

Just for Data Points

simplegirl — Tue, 02 Mar 2021 02:43:23 GMT

I applied for USAA and Penfed just to see what scores they pulled and of course i knew i would be denied but still wanted to know where i would stand for when i do apply for them. So:

USAA pulls Fico3 which is a score only with Experian and it is a score for credit cards.

Penfed pulls Auto Fico9 through Equifax

Also i live in Texas so this maybe only for Texas who knows..but now i know for when i apply again what scores to focus on growing.

Re: Just for Data Points

Anonymous — Tue, 02 Mar 2021 02:57:04 GMT

@simplegirl wrote:
I applied for USAA and Penfed just to see what scores they pulled and of course i knew i would be denied but still wanted to know where i would stand for when i do apply for them. So:
USAA pulls Fico3 which is a score only with Experian and it is a score for credit cards.
Penfed pulls Auto Fico9 through Equifax
Also i live in Texas so this maybe only for Texas who knows..but now i know for when i apply again what scores to focus on growing.

@simplegirl yes, USAA uses Score 3, no score 3 is a classic Score; it has its own bankcard and car loan variants.

Do you know which version, classic or bankcard USAA pulled? I believe it's classic.

(You can tell the difference by the max score, 850 and 900 respectively. And it's mislabeled in Experian's app, but you wouldn't believe the responses I got when I tried to give them a heads up on that.)

thank you for the data points

Re: Just for Data Points

simplegirl — Tue, 02 Mar 2021 03:02:01 GMT

@Anonymous wrote:
@simplegirl wrote:
I applied for USAA and Penfed just to see what scores they pulled and of course i knew i would be denied but still wanted to know where i would stand for when i do apply for them. So:
USAA pulls Fico3 which is a score only with Experian and it is a score for credit cards.
Penfed pulls Auto Fico9 through Equifax
Also i live in Texas so this maybe only for Texas who knows..but now i know for when i apply again what scores to focus on growing.

@simplegirl yes, USAA uses Score 3, no score 3 is a classic Score; it has its own bankcard and car loan variants.

Do you know which version, classic or bankcard USAA pulled? I believe it's classic.

(You can tell the difference by the max score, 850 and 900 respectively. And it's mislabeled in Experian's app, but you wouldn't believe the responses I got when I tried to give them a heads up on that.)

thank you for the data points

The max score was 850. When i checked my different scores from myFICO that score was only under my credit card section for different scores and i only had a score with Experian not sure why.

Re: Just for Data Points

Anonymous — Tue, 02 Mar 2021 03:11:10 GMT

@simplegirl wrote:
@Anonymous wrote:
@simplegirl wrote:
I applied for USAA and Penfed just to see what scores they pulled and of course i knew i would be denied but still wanted to know where i would stand for when i do apply for them. So:
USAA pulls Fico3 which is a score only with Experian and it is a score for credit cards.
Penfed pulls Auto Fico9 through Equifax
Also i live in Texas so this maybe only for Texas who knows..but now i know for when i apply again what scores to focus on growing.

@simplegirl yes, USAA uses Score 3, no score 3 is a classic Score; it has its own bankcard and car loan variants.

Do you know which version, classic or bankcard USAA pulled? I believe it's classic.

(You can tell the difference by the max score, 850 and 900 respectively. And it's mislabeled in Experian's app, but you wouldn't believe the responses I got when I tried to give them a heads up on that.)

thank you for the data points
The max score was 850. When i checked my different scores from myFICO that score was only under my credit card section for different scores and i only had a score with Experian not sure why.

@simplegirl you are correct that MF put it under credit cards, but they correctly labeled it score 3. Experian on the other hand actually calls it bankcard 3 but it's not, it's classic 3. I don't even know where you would find the bank card and loan variance it's such a obscure version.

Re: Just for Data Points

simplegirl — Tue, 02 Mar 2021 03:16:23 GMT

@Anonymous wrote:
@simplegirl wrote:
@Anonymous wrote:
@simplegirl wrote:
I applied for USAA and Penfed just to see what scores they pulled and of course i knew i would be denied but still wanted to know where i would stand for when i do apply for them. So:
USAA pulls Fico3 which is a score only with Experian and it is a score for credit cards.
Penfed pulls Auto Fico9 through Equifax
Also i live in Texas so this maybe only for Texas who knows..but now i know for when i apply again what scores to focus on growing.

@simplegirl yes, USAA uses Score 3, no score 3 is a classic Score; it has its own bankcard and car loan variants.

Do you know which version, classic or bankcard USAA pulled? I believe it's classic.

(You can tell the difference by the max score, 850 and 900 respectively. And it's mislabeled in Experian's app, but you wouldn't believe the responses I got when I tried to give them a heads up on that.)

thank you for the data points
The max score was 850. When i checked my different scores from myFICO that score was only under my credit card section for different scores and i only had a score with Experian not sure why.
@simplegirl you are correct that MF put it under credit cards, but they correctly labeled it score 3. Experian on the other hand actually calls it bankcard 3 but it's not, it's classic 3. I don't even know where you would find the bank card and loan variance it's such a obscure version.

Yeah I'm just confused why is it only under Experian? Are they the only ones that have that score?

Re: Just for Data Points

Anonymous — Tue, 02 Mar 2021 03:20:16 GMT

@simplegirl wrote:
@Anonymous wrote:
@simplegirl wrote:
@Anonymous wrote:
@simplegirl wrote:
I applied for USAA and Penfed just to see what scores they pulled and of course i knew i would be denied but still wanted to know where i would stand for when i do apply for them. So:
USAA pulls Fico3 which is a score only with Experian and it is a score for credit cards.
Penfed pulls Auto Fico9 through Equifax
Also i live in Texas so this maybe only for Texas who knows..but now i know for when i apply again what scores to focus on growing.

@simplegirl yes, USAA uses Score 3, no score 3 is a classic Score; it has its own bankcard and car loan variants.

Do you know which version, classic or bankcard USAA pulled? I believe it's classic.

(You can tell the difference by the max score, 850 and 900 respectively. And it's mislabeled in Experian's app, but you wouldn't believe the responses I got when I tried to give them a heads up on that.)

thank you for the data points
The max score was 850. When i checked my different scores from myFICO that score was only under my credit card section for different scores and i only had a score with Experian not sure why.
@simplegirl you are correct that MF put it under credit cards, but they correctly labeled it score 3. Experian on the other hand actually calls it bankcard 3 but it's not, it's classic 3. I don't even know where you would find the bank card and loan variance it's such a obscure version.
Yeah I'm just confused why is it only under Experian? Are they the only ones that have that score?

@simplegirl Yes it's the corresponding version to 5/4. The thing is 3 never caught on so 2 stuck around. So that's why we have 5/4/2 instead of 5/4/3. Score 2 was from 1998 whereas 5/4/3 is based on the 2004 algorithm.