topic Which Credit Score does Wells Fargo Pull? in Credit Cards

Which Credit Score does Wells Fargo Pull?

Anonymous — Mon, 10 Dec 2018 04:56:38 GMT

My understanding is that WF used to pull Fico Bankcard 02 for credit card inquiries, but they recently switched to offering free Fico 09 scores through EX. I have an account with WF, so I can access this score monthly... But when it comes to credit card applications, do they also use the EX (or TU/EQ) Fico 09 bankcard score? Does anyone know?

I am partly interested in their new Propel card... if they pull Fico 09, I'm probably in a good spot to get it!

Thanks!

Re: Which Credit Score does Wells Fargo Pull?

Anonymous — Mon, 10 Dec 2018 12:44:41 GMT

@Anonymous wrote:
My understanding is that WF used to pull Fico Bankcard 02 for credit card inquiries, but they recently switched to offering free Fico 09 scores through EX. I have an account with WF, so I can access this score monthly... But when it comes to credit card applications, do they also use the EX (or TU/EQ) Fico 09 bankcard score? Does anyone know?

I am partly interested in their new Propel card... if they pull Fico 09, I'm probably in a good spot to get it!

Thanks!

On my wells account online, when I check the FICO, its EX FICO9.

UPDATE: I found mail they sent me, it is EX.

Re: Which Credit Score does Wells Fargo Pull?

Anonymous — Mon, 10 Dec 2018 17:21:59 GMT

Ah, so EX Fico 09 for the credit decision? Or BC 09?

Re: Which Credit Score does Wells Fargo Pull?

Anonymous — Mon, 10 Dec 2018 17:39:49 GMT

@Anonymous wrote:
Ah, so EX Fico 09 for the credit decision? Or BC 09?

It's FICO, the range listed is 300-850.

Re: Which Credit Score does Wells Fargo Pull?

Anonymous — Mon, 10 Dec 2018 17:50:58 GMT

@Anonymous wrote:
@Anonymous wrote:
Ah, so EX Fico 09 for the credit decision? Or BC 09?
It's FICO, the range listed is 300-850.

@Anonymous were you able to figure out which flavor of FICO score they used? All version of the "regular" FICO (EX 2, 3, 8, and 9) provide scores between 300 and 850. By "regaular" I mean, not bankcard or auto scores that range from 250 to 900.

Re: Which Credit Score does Wells Fargo Pull?

Anonymous — Mon, 10 Dec 2018 17:57:52 GMT

First I confirmed the mail WF sent me has the same score as I see now when i login to my account.

Then on my account screen, it says FICO score 9 at the bottom.

Re: Which Credit Score does Wells Fargo Pull?

JR_TX — Mon, 10 Dec 2018 18:06:27 GMT

They used EX FICO9 on both occasions when I app’d for the Propel 2x this year.