topic Re: TU finally hit 700 in Understanding FICO® Scoring

TU finally hit 700

Jnbmom — Sun, 10 Jun 2018 18:56:04 GMT

Just got my updated score from discover card account. TU finally at 724😀

So EXP is sitting at 724 and now TU not sure of EQ though should get that updated score next week.

Re: TU finally hit 700

19eighty5 — Sun, 10 Jun 2018 22:35:16 GMT

Congrats!

Re: TU finally hit 700

Batsamandrobin — Sun, 10 Jun 2018 22:49:35 GMT

Congratulations!

Re: TU finally hit 700

Anonymous — Mon, 11 Jun 2018 00:46:02 GMT

Glad to hear things are moving in the right direction!

What is the source of your EQ score that you'll be getting soon?

Re: TU finally hit 700

Jnbmom — Mon, 11 Jun 2018 01:04:27 GMT

@Anonymous wrote:
Glad to hear things are moving in the right direction!

What is the source of your EQ score that you'll be getting soon?

I subscribe to the quarterly report from Experian and that is due to refresh in 5 days.

Re: TU finally hit 700

Anonymous — Mon, 11 Jun 2018 01:09:29 GMT

EX gives you an EQ score update? Interesting. What product is it that you get from them?

Re: TU finally hit 700

Jnbmom — Mon, 11 Jun 2018 01:43:10 GMT

@Anonymous wrote:
EX gives you an EQ score update? Interesting. What product is it that you get from them?

Yes it's the Experian IdentityWorks Premium for 19.99 a month ( I know ouch) will probably cancel once I get my scores and credit where it needs to be. This package gives me unlimited access to EXP daily report and score, 3-Bureau Credit Monitoring & Alerts and Quarterly 3-Bureau Report and FICO Scores.

Re: TU finally hit 700

Jnbmom — Mon, 11 Jun 2018 06:12:05 GMT

Just wanted to add I do get a FICO score from Citibank for EQ which is currently at 704, but I am not sure if that is a FICO8 or the FICO bank score 8?

Re: TU finally hit 700

MakingProgress — Tue, 12 Jun 2018 15:44:21 GMT

@Jnbmom wrote:
Just wanted to add I do get a FICO score from Citibank for EQ which is currently at 704, but I am not sure if that is a FICO8 or the FICO bank score 8?

Citi gives you FICO 8 Bankcard score not the classic FICO 8 so expect some difference. The bankcard score goes upto 950 where the classic only goes to 850.

Re: TU finally hit 700

Jnbmom — Tue, 12 Jun 2018 15:47:51 GMT

@MakingProgress wrote:
@Jnbmom wrote:
Just wanted to add I do get a FICO score from Citibank for EQ which is currently at 704, but I am not sure if that is a FICO8 or the FICO bank score 8?
Citi gives you FICO 8 Bankcard score not the classic FICO 8 so expect some difference. The bankcard score goes upto 950 where the classic only goes to 850.

Thanks, I thought that. I am getting my 3 score report in a few days so I will know exactly where EQ compared to the citi score.

Re: TU finally hit 700

Anonymous — Tue, 12 Jun 2018 17:59:50 GMT

@MakingProgress
Citi gives you FICO 8 Bankcard score not the classic FICO 8 so expect some difference. The bankcard score goes upto 950 where the classic only goes to 850.

You are correct that Citi provides a FICO 8 Bankcard Enhanced score, but the scoring range caps out at 900, not 950.

My BCE scores generally run about 20-22 points higher than my Classic 8 scores and I think most people tend to see a similar variance between the two.