topic Re: Huntington Voice Free Fico Score in General Credit Topics

Huntington Voice Free Fico Score

Anonymous — Sun, 04 Nov 2018 01:26:25 GMT

Its is faily well-known that Huntington Voice provides a monthly free EQ Fico score. But there does seem to some confusion on the model. Some people claim it is EQ Fico 8 and others claim it is EQ Fico Bankcard 02. I always was convinced that it is the latter. Indeed the fine print on the bottom of Huntingon Voice Fico score page says:

"Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 02 model "

But as of today I'm utterly confused: The fine print in the bottom of the page still says "FICO® Bankcard Score 02". By close to the top of page (right below the score) it now says:

"Your FICO® Score 9 based on Equifax data is the same score that Huntington uses to manage your account."

So maybe Huntington just switch to Eq Fico 9 and forgot to update the fineprint. But that seems unlikely since the score I got today is the exact same as in the previous two months (and has been in a narrow 5 point range for the last year).

As anybody else noticed the reference to Fico 9? When did it first appear? When it did first occur, did the score change?

Re: Huntington Voice Free Fico Score

Anonymous — Sun, 04 Nov 2018 01:34:10 GMT

Just a quick update: The fine print on the bottom of Huntingon Voice Fico score page now says:

Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 9 model.

So it does seem that Huntington switched from EQ Fico Bankcard Score 02 to EQ Fico Bankcard Score 9.

Re: Huntington Voice Free Fico Score

FinStar — Tue, 06 Nov 2018 18:15:52 GMT

Correct. Depending on when the last SP was done for certain accounts, it could've reflected the old score model as they transitioned to the newest one and updated the disclaimer language on the site.

Re: Huntington Voice Free Fico Score

Anonymous — Mon, 12 Nov 2018 02:17:26 GMT

@FinStar wrote:
Correct. Depending on when the last SP was done for certain accounts, it could've reflected the old score model as they transitioned to the newest one and updated the disclaimer language on the site.

Are you sure it is Fico 9? The Huntingon Voice Fico score page just changed again :

As the last time I checked the fine print on the bottom of the page says:

"Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 9 model "

But now close to the top of page (right below the score) it says:

"Your FICO® Score 8 based on Equifax data is the same score that Huntington uses to manage your account."

Re: Huntington Voice Free Fico Score

Anonymous — Mon, 12 Nov 2018 03:50:29 GMT

Sounds like someone needs to give them a call and speak with someone that knows their stuff to find out which model is actually being used.

Re: Huntington Voice Free Fico Score

Anonymous — Mon, 12 Nov 2018 04:28:54 GMT

@Anonymous wrote:
Sounds like someone needs to give them a call and speak with someone that knows their stuff to find out which model is actually being used.

I hate phone calls.
The chances to get to talk (or be transferred) to someone who knows their stuff must be close to 0.

Re: Huntington Voice Free Fico Score

Anonymous — Mon, 12 Nov 2018 14:33:49 GMT

Then the chances of you figuring out with certainty which scoring model is being used is close to 0 as well.

Re: Huntington Voice Free Fico Score

Anonymous — Thu, 15 Nov 2018 12:45:15 GMT

Well, the score and the wording on the webpage just updated, and it now seems to be Eq Fico 8.

Under the score it says: Your FICO® Score 8 based on Equifax data is the same score that Huntington uses to manage your account.
In the fine print is says: Your FICO® Score is calculated based on data from Equifax using the FICO® Score 8.
The scores exactly matches the Eq Fico 8 I got from CCT this month.