Does Care Credit use Fico 8 or 9

ReGuy71 · ‎08-25-2021

I believe Sync usually pulls TU for Care Credit. Does anyone know if they use the Fico 8 or 9 score? I've been prequalified for the $5,500 I requested but wanted to ask before pulling the trigger next month. Oddly enough their Prequal page came back (after putting in last 4 of my SS#) with an old address not on any of my reports anywhere anymore so that was surprising. Anyone had that happen?

Self Secured Visa - $2,000 (1/20), closed 8/21 and deposit returned
USB Secured Visa - $2,500 (9/20)
Apple Card - $2,950 (4/21)
Langley FCU - $2,500 (8/21)
Amex Gold (9/21)
Amex BCP - $2k (9/21)
Venmo- $9k (9/21)
Credit Strong Loan - $1k w/$0 balance (opened 4/21, paid 1/22)
Self Credit Builder Loans - two loans paid and closed
FICO 8 Scores Sep 2021
698 EX (4 inq-1/12)
688 EQ (2 inq-2/12)
695 TU (3 inq-2/12)
AZEO

Brian_Earl_Spilner · ‎08-25-2021

They use TU VantageScore 4

ReGuy71 · ‎08-25-2021

Thanks! Good to know. I just used LevelCredit to report the last few months of my rent payments so I'm hoping that helps my VS4 score. I believe VS4 takes rent into consideration. My VS3 is usually in the low 700's.

Self Secured Visa - $2,000 (1/20), closed 8/21 and deposit returned
USB Secured Visa - $2,500 (9/20)
Apple Card - $2,950 (4/21)
Langley FCU - $2,500 (8/21)
Amex Gold (9/21)
Amex BCP - $2k (9/21)
Venmo- $9k (9/21)
Credit Strong Loan - $1k w/$0 balance (opened 4/21, paid 1/22)
Self Credit Builder Loans - two loans paid and closed
FICO 8 Scores Sep 2021
698 EX (4 inq-1/12)
688 EQ (2 inq-2/12)
695 TU (3 inq-2/12)
AZEO

Anonymous · ‎08-25-2021

my previous address came back on their prequal site as well. I just change it right then and there.

Anonymous · ‎08-25-2021

@Brian_Earl_Spilner wrote:
They use TU VantageScore 4

This may be a silly question. How does one view their vantage 4.0 score? I know what it scores (as for trended data up to 2 years) - but I'm curious because when the time comes - I want to ask for a CLI on my care credit card. I do have the myFico monthly subscription. So if it's in there - I simply never knew it was Vantage.

Iusedtolurk · ‎08-26-2021

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
They use TU VantageScore 4
This may be a silly question. How does one view their vantage 4.0 score? I know what it scores (as for trended data up to 2 years) - but I'm curious because when the time comes - I want to ask for a CLI on my care credit card. I do have the myFico monthly subscription. So if it's in there - I simply never knew it was Vantage.

@AnonymousI have learned that in this forum there are No silly questions.

In my experience while trying to obtain my scores the only places I have seen a Vantage 4 score is in my Sync online accounts.

Anonymous · ‎08-26-2021

@Iusedtolurk wrote:
@Anonymous wrote:
@Brian_Earl_Spilner wrote:
They use TU VantageScore 4
This may be a silly question. How does one view their vantage 4.0 score? I know what it scores (as for trended data up to 2 years) - but I'm curious because when the time comes - I want to ask for a CLI on my care credit card. I do have the myFico monthly subscription. So if it's in there - I simply never knew it was Vantage.
@AnonymousI have learned that in this forum there are No silly questions.

In my experience while trying to obtain my scores the only places I have seen a Vantage 4 score is in my Sync online accounts.

Hey thanks! Currently at a low 661. Better than I was expecting with my mediocre scores.

Iusedtolurk · ‎08-26-2021

@AnonymousThe most important factor in Vantage4 is your Utilization unlike other models where Payment History weighs heavier.

FinStar · ‎08-26-2021

@Brian_Earl_Spilner wrote:
They use TU VantageScore 4

Is that for every Care Credit approval @Brian_Earl_Spilner? When I was approved for the Banana Republic Visa card a couple weeks ago (in-store), the disclosure (price you pay for credit) displayed a TU FICO score, in my case F8. It was not VS4.

I realize they use VS4 for a variety of lending decisions, but I've only seen VS4 for standard account maintenance and CLIs 🤷‍♂️

Brian_Earl_Spilner · ‎08-26-2021

@FinStar wrote:
@Brian_Earl_Spilner wrote:
They use TU VantageScore 4
Is that for every Care Credit approval @Brian_Earl_Spilner? When I was approved for the Banana Republic Visa card a couple weeks ago (in-store), the disclosure (price you pay for credit) displayed a TU FICO score, in my case F8. It was not VS4.

I realize they use VS4 for a variety of lending decisions, but I've only seen VS4 for standard account maintenance and CLIs 🤷‍♂️

They had claimed they were moving fully over to VantageScore. From what I've seen lately they've been approving based on it. BR might be a straggler. Or maybe they realized they can't base all their decisions off of it and we start to see the return of fico. 🤷

ETA: Just remembered I just got the card. When I got approved for care credit a couple of months ago they listed my VantageScore