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.
Starting Score: 494 503 521
@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.
@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?