PSECU EX FICO

[-Cain-]

Is it still relevant? What version are they using? Big difference between this one and the one on Chase Slate Dashboard.

[gdale6]

Fico 04 is the version according to my info, All Fico scores have relevance.

[Anonymous]

I had the same question recently and started a thread. Interesting answers too because it didn't match my true EXP score.

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/PSECU-FICO-8/m-p/4071166#M94936

[-Cain-]

Thank you both. Gdale, you are absolutely right about the relevancy of a score. Vulcan, nice link and good answers there. I didn't see your thread when I searched.

[Revelate]

It is EX '98 (Experian FICO Risk Model v2) at last update (recently matched a mortgage pull).  Part of the mortgage trifecta, and therefore arguably one of the two best scores available freely to consumers.

[-Cain-]

---

@Revelate wrote:

It is EX '98 (Experian FICO Risk Model v2) at last update (recently matched a mortgage pull).  Part of the mortgage trifecta, and therefore arguably one of the two best scores available freely to consumers.

---

Thanks Revelate. I saw your reply in Vulcan's thread. Good info to know!!

[takeshi74]

---

@-Cain- wrote:

Is it still relevant?

---

As with any score it all depends on what you intend to use it for.  If a creditor you're applying to uses it then it is certainly relevant.  If they do not then it is not relevant.  You really can't rely on such generalizations for scoring models other than FAKO's that aren't used by any creditor (e.g. TransUnion New Account, Experian PLUS, etc).

[-Cain-]

Noted. All valid points being made by members here!

---

@takeshi74 wrote:

---

@-Cain- wrote:

Is it still relevant?

---

As with any score it all depends on what you intend to use it for.  If a creditor you're applying to uses it then it is certainly relevant.  If they do not then it is not relevant.  You really can't rely on such generalizations for scoring models other than FAKO's that aren't used by any creditor (e.g. TransUnion New Account, Experian PLUS, etc).

---