Experian / Fico Bank Card 8 vs. Fico 8

[Anonymous]

Does anyone know who pulls Experian Fico "Bank Card" 8 as opposed to just Fico 8?

[Anonymous]

Not sure of anyone specific but I am curious why it matters to you?

[Anonymous]

I used to search bar here for answers.

Citi and FNBO: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Fico-Bankscore-8/td-p/5034978

Another thread I found said State Farm Bank used it in 2016.

[Anonymous]

Thanks @ABCD

Because my Fico 8 is 660 and my Fico Bank Card 8 is 678 - so fair vs. "good"...

And Experian is my highest score out of the three

[Anonymous]

FICO Bankcard 8 goes up to 900 max, so your bank card score is actually similar to your regular FICO 8.

What's holding your scores back? Collections or chargeoffs? High utilization?

[Anonymous]

Util never over 6%, usually between 1 and 4...

I have the same two collections/CO on all three and one additional on EQ.

One is to fall off next year around Oct. Was planning on paying them, but not sure if it will do me any good.

Thoughts?

[Anonymous]

Paying it won't boost your score if they're just collection accounts. I would offer a PFD in writing tho because deletions would help a ton.

Do you have an installment loan reporting open?

[AverageJoesCredit]

Sorry not a clue. Any reason why?

[gdale6]

Hi there OP, I have removed your cross post on this from the CC forum, please refrain from doing this in the future its not inline with our TOS and it can lead to confusion by the members. Thanks for your understanding.

[Anonymous]

sorry @gdale6

realized after I posted it should have gone under applications. Didn't intentionally post in two places for respose. I will be more concious of where I am posting.