Credit Unions and Cards that use FICO 10?

[DenverFox]

Wanted to see if anyone is aware of any credit unions or credit cards that use the new FICO 10 scoring model for application approval?

I know Fannie and Freddie are now approved for FICO 10T and Vantage 4 for Mortgages but that's all I have been able to locate on this new model.

If we can share any applications that used FICO 10 (and from which bureau), that would be fantastic.

[FireMedic1]

Nothing posted yet. Hope it stays that way.

[GApeachy]

Following👍

I haven't been able to search & find any cc issuer using 10 or 10T yet. ⏳ 

[northway]

Service CU uses FICO 10 for approvals.

"The FICO® Score pulled on 06/03/23 is the FICO® Score 10 based on EXPERIAN data, your score will be updated quarterly and is the same score that Service Credit Union uses, along with other information, to manage your account."

[CH-7-Mission-Accomplished]

---

@FireMedic1 wrote:

Nothing posted yet. Hope it stays that way.

---

This is what I found too.   FICO 10 was much harder on my BK than FICO 9.  It seems the hardest was 5/4/2, then FICO 10, then FICO 8 and FICO 9 was by far kinder to the BK.

[GApeachy]

---

---

---

@northway wrote:

Service CU uses FICO 10 for approvals.

"The FICO® Score pulled on 06/03/23 is the FICO® Score 10 based on EXPERIAN data, your score will be updated quarterly and is the same score that Service Credit Union uses, along with other information, to manage your account."

---

How long have you had this acct?

[ThomasJNewton]

FICO 10T would be much worse for me as a borrower, but does seem to make much more sense than FICO 8/9. That I can carry a balance on all my cards at 99% for 23 months, pay it all off (leaving $10 to report on one card) without that reflecting negatively on my score seems like an over site. :-)

[northway]

---

@GApeachy wrote:

---

---

---

@northway wrote:

Service CU uses FICO 10 for approvals.

"The FICO® Score pulled on 06/03/23 is the FICO® Score 10 based on EXPERIAN data, your score will be updated quarterly and is the same score that Service Credit Union uses, along with other information, to manage your account."

---

How long have you had this acct?

---

For a few months now. FICO 10 was definitely included as the basis on the score sheet for approval though.

[FireMedic1]

---

@northway wrote:

Service CU uses FICO 10 for approvals.

"The FICO® Score pulled on 06/03/23 is the FICO® Score 10 based on EXPERIAN data, your score will be updated quarterly and is the same score that Service Credit Union uses, along with other information, to manage your account."

---

@northway  Well i have more than enough cards now. Thanks for the heads up to stay far away from them. My 10's are like 6 months out of my BK.

[Beefy1212]

---

@FireMedic1 wrote:

---

@northway wrote:

Service CU uses FICO 10 for approvals.

"The FICO® Score pulled on 06/03/23 is the FICO® Score 10 based on EXPERIAN data, your score will be updated quarterly and is the same score that Service Credit Union uses, along with other information, to manage your account."

---

@northway  Well i have more than enough cards now. Thanks for the heads up to stay far away from them. My 10's are like 6 months out of my BK.

---

It is worth mentioning you really have no idea the weight placed on a particular score, a lender sees that BK and evaluates it on your application regardless of the score. Just because it is the same 300-850 score range doesn't mean they consider it the same score value another lender would using a different model.

Your scores even on fico10 are solidly in the "good" range.