Fico vs vantage

[Anonymous]

do anyone know of a bank or credit union that uses vantage score or any score not fico 8 to score my other scores are higher and i know the most of the bank use fico just insearch of one.

[Anonymous]

---

@Anonymous wrote:

do anyone know of a bank or credit union that uses vantage score or any score not fico 8 to score my other scores are higher and i know the most of the bank use fico just insearch of one.

---

A lot of banks and credit unions use different versions than Fico 08 for membership and credit products.  There are none that I'm aware of using the Vabtage scores although there have been reports that Capital Obe uses it some extent. Still they base their approvals on your Fico scores.

[CatOfSpades]

Capital One does not use it. Credit Wise (product of Capital One) provides a free Vantage Score, but on the site, Capital One says they do not use the Vantage Score to make credit decisions - they use Fico Scores. This makes Credit Wise pointless in my opinion. 

[Anonymous]

I saw that with Creditwise on Cap One too....I agree it does seem pointless giving your cardholder a score you don't even use.

[RonM21]

Not any that I'm aware of either. I agree it's pointless to give a score not used, but I guess some would say for more informational purposes.

[CreditDunce]

Off the top of my head....

Alliant - EQ NextGen

Cap1 primary score EQ-04 some reports of them using other scores

Chase - CARS internal score

Citi - EQ 08 BE

DCU - EQ-04

FNBO - EX-08 BE

Merrick - TU 08 BE

Nasa FCU - EX-98

NFCU - I don't remember if it is EQ/TU 04 or 98.

Penfed - EQ NextGen

PSECU - EX-98US Bank - TU 04 BE

Wells Fargo - EX 98 BE

I am planning on adding a few more small CU's to the list on the thread:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-to-obtain-FREE-monthly-FICO-scores/...

But I don't have the handy. 

It is always possible a CCC may pull a different CRA than normal.  They also may use multiple scores in approvals.  It is YMMV.