topic Re: Wells Fargo free FICO after app update in General Credit Topics

Wells Fargo free FICO after app update

j615 — Fri, 25 Mar 2016 00:46:36 GMT

Updated my WF app on my iPhone just now, and when I signed on, there's a new option to view my free FICO score. I have a Cash Back Visa card with them.

It's a nice addition, which I don't think I had access to before, but it's not displaying FICO 8, but instead FICO Bankcard Score 2. So far I can only retreive this option in the app and not on the desktop site.

Re: Wells Fargo free FICO after app update

ddemari — Fri, 25 Mar 2016 00:50:13 GMT

nice addition! and its not a TU fico 08. at least they mixed it up for you with that fico EX bankcard 2. interesting!

Re: Wells Fargo free FICO after app update

Anonymous — Fri, 25 Mar 2016 01:33:27 GMT

Nice to see another credit scores besides TU !!!

Re: Wells Fargo free FICO after app update

Revelate — Fri, 25 Mar 2016 01:59:12 GMT

@Anonymous wrote:
Nice to see another credit scores besides TU !!!

Yeah; though the TU 08 scores were released before FICO Open Access as an actual TU product apparently; everyone else is just using whatever they are pulling for AR's. Strange to see WF use FICO Risk Model v2 Bankcard, but hey, not like their CC division is precisely market relevant.

Re: Wells Fargo free FICO after app update

ddemari — Fri, 25 Mar 2016 02:41:49 GMT

@Revelate wrote:
@Anonymous wrote:
Nice to see another credit scores besides TU !!!
Yeah; though the TU 08 scores were released before FICO Open Access as an actual TU product apparently; everyone else is just using whatever they are pulling for AR's. Strange to see WF use FICO Risk Model v2 Bankcard, but hey, not like their CC division is precisely market relevant.

very true, strange risk model they are offering and their credit card market is what it is.

Re: Wells Fargo free FICO after app update

Anonymous — Fri, 25 Mar 2016 04:43:31 GMT

I seen this today as well. I noticed that you can see scores that were generated before March as well.

Re: Wells Fargo free FICO after app update

Anonymous — Fri, 25 Mar 2016 05:04:03 GMT

Appreciate the heads up OP.

Have not been using the WF ap, downloaded and logged in. Got the Fico and it shows scores for the previous 12 months.

This particular Fico model scores me 30 points less than Fico 08. Hate that!

Re: Wells Fargo free FICO after app update

Revelate — Fri, 25 Mar 2016 05:12:06 GMT

@Anonymous wrote:
Appreciate the heads up OP.

Have not been using the WF ap, downloaded and logged in. Got the Fico and it shows scores for the previous 12 months.

This particular Fico model scores me 30 points less than Fico 08. Hate that!

That's kinda awesome though for this sort of thing; don't think any other lender has disclosed their prior pulls. Not sure how relevant that is for many people but I would've been interested to see the data if I had an account with them over the past year as my CR has gone through a number of non-trivial changes.

Re: Wells Fargo free FICO after app update

Anonymous — Fri, 25 Mar 2016 13:33:04 GMT

I love that they aren't showing FICO 8. I can get those elsewhere. Lets me track progress on other scores w/o pulling a new 3B.

Re: Wells Fargo free FICO after app update

ddemari — Fri, 25 Mar 2016 14:05:19 GMT

I definitely would love to see the previous months too. Nice festure and thinking on their part.

Re: Wells Fargo free FICO after app update

iv — Fri, 25 Mar 2016 22:28:08 GMT

Anyone else notice that, looking at the score history in the app, WF is getting their data from Experian on exactly the same day each month that Amex gets theirs?

I guess that's part of a standard EX AR service...

Re: Wells Fargo free FICO after app update

Revelate — Fri, 25 Mar 2016 23:22:46 GMT

@iv wrote:
Anyone else notice that, looking at the score history in the app, WF is getting their data from Experian on exactly the same day each month that Amex gets theirs?

I guess that's part of a standard EX AR service...

Amex date varies based on statement date at least from what I recall when it was first implemented. Think this may be intrinsic to you and call it 3% of the rest of the population.

Re: Wells Fargo free FICO after app update

Anonymous — Wed, 13 Apr 2016 23:05:41 GMT

Has anyone received an update to their score with Wells Fargo? My last update was 2/27/16.

Re: Wells Fargo free FICO after app update

j615 — Wed, 13 Apr 2016 23:12:28 GMT

@Anonymous wrote:
Has anyone received an update to their score with Wells Fargo? My last update was 2/27/16.

Mine shows the same.

Re: Wells Fargo free FICO after app update

Anonymous — Wed, 13 Apr 2016 23:32:46 GMT

@j615 wrote:
@Anonymous wrote:
Has anyone received an update to their score with Wells Fargo? My last update was 2/27/16.
Mine shows the same.

So basically they tricked us into thinking we would get a monthly update dang Wells Fargo!

Re: Wells Fargo free FICO after app update

Anonymous — Thu, 14 Apr 2016 02:26:23 GMT

Damn nice score mine is at for experain 646 because of a collection account. as for the remaining two it's at 705

Re: Wells Fargo free FICO after app update

Anonymous — Thu, 14 Apr 2016 04:39:31 GMT

@j615 wrote:
Updated my WF app on my iPhone just now, and when I signed on, there's a new option to view my free FICO score. I have a Cash Back Visa card with them.

It's a nice addition, which I don't think I had access to before, but it's not displaying FICO 8, but instead FICO Bankcard Score 2. So far I can only retreive this option in the app and not on the desktop site.

When you know you part of the MyFico Community

1. Length of time accounts have been established

2. Too many accounts recently opened

3. Too many inquiries last 12 months

😂😂😂

All jokes aside thanks for post because I did not notice this!

Re: Wells Fargo free FICO after app update

KSK1912 — Thu, 14 Apr 2016 04:50:04 GMT

@Revelate wrote:
@Anonymous wrote:
Appreciate the heads up OP.

Have not been using the WF ap, downloaded and logged in. Got the Fico and it shows scores for the previous 12 months.

This particular Fico model scores me 30 points less than Fico 08. Hate that!

That's kinda awesome though for this sort of thing; don't think any other lender has disclosed their prior pulls. Not sure how relevant that is for many people but I would've been interested to see the data if I had an account with them over the past year as my CR has gone through a number of non-trivial changes.

Yes this is awesome because now i can go back to the date i got denied, then the date (or month) i got approved for the Dillard's Amex, and make my own data points as to what the difference was, including the month of the cli i asked for. Thanks for the heads up everyone. I had seen the fico score on the app, but did not know you could see the previous scores. I have to go check that now.

Re: Wells Fargo free FICO after app update

Anonymous — Thu, 14 Apr 2016 05:15:41 GMT

@Anonymous wrote:
@j615 wrote:
@Anonymous wrote:
Has anyone received an update to their score with Wells Fargo? My last update was 2/27/16.
Mine shows the same.
So basically they tricked us into thinking we would get a monthly update dang Wells Fargo!

Eh, I'm still holding out hope it'll update. I don't see my score at my cc or mtg sites until well after the date they pull. The last app update was on March 25th, so maybe in the next release?

I'm interested to see if my score has improved by the same amount my F8's have.

Found this page on the feature - https://www.wellsfargo.com/jump/enterprise/fico

If they are planning on rolling out to more products they'll want to give updates.

Re: Wells Fargo free FICO after app update

KSK1912 — Thu, 14 Apr 2016 05:22:45 GMT

@Anonymous wrote:
@Anonymous wrote:
@j615 wrote:
@Anonymous wrote:
Has anyone received an update to their score with Wells Fargo? My last update was 2/27/16.
Mine shows the same.
So basically they tricked us into thinking we would get a monthly update dang Wells Fargo!
Eh, I'm still holding out hope it'll update. I don't see my score at my cc or mtg sites until well after the date they pull. The last app update was on March 25th, so maybe in the next release?
I'm interested to see if my score has improved by the same amount my F8's have.
Found this page on the feature - https://www.wellsfargo.com/jump/enterprise/fico
If they are planning on rolling out to more products they'll want to give updates.

Looks like it will be available for more products from WF.