What Score Was Used?

Anonymous · ‎04-24-2019

Hey there!

In the near future I want to apply for the following - can any of you share what scores were pulled? (Overall FICO, FICO 9, or old bankcard score?) and also what you scores were at the time of approval? TIA!

CapitalOne SavorOne
Capital One Quicksilver Rewards
CapitalOne Venture One Rewards
NFCU
Bank of America Cash Rewards

thornback · ‎04-24-2019

CapitalOne SavorOne -- will HP all three bureaus / reports indicate they use Classic EQ 04 score to determine approval.
Capital One Quicksilver Rewards -- same as above
CapitalOne Venture One Rewards -- same as above
NFCU -- TU FICO 9 for CC approvals / EQ 9 for CLOC & CLIs -- very recent reports indicate EX 9 may be also used for CLIs at times.
Bank of America Cash Rewards -- TU FICO 8 seems to be the consensus.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎04-24-2019

What is Classic EQ 04? I don't see that on any of the variations on MyFico?

thornback · ‎04-24-2019

Sorry... meant to clarify and forgot...

Equifax FICO Score 5 Mortgage Enhanced (also known as EQ-04 or Beacon 5)

@Anonymous wrote:
What is Classic EQ 04? I don't see that on any of the variations on MyFico?

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.