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Want to apply for CC that pulls Fico9

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Established Member

Want to apply for CC that pulls Fico9

Would like some feedback on who is pulling the Fico9 reports.

My Fico8 is 690-720 depending on CRA

My Fico9 is 50+ points higher on each. And doesn’t show my paid in full collections.

Any feedback is appreciated.
Message 1 of 11
10 REPLIES 10
Valued Contributor

Re: Want to apply for CC that pulls Fico9


@Zach1 wrote:
Would like some feedback on who is pulling the Fico9 reports.

My Fico8 is 690-720 depending on CRA

My Fico9 is 50+ points higher on each. And doesn’t show my paid in full collections.

Any feedback is appreciated.

I was never declined when my FICO 8 scores were in the 690's.  Have you been declined at that score?  720 is a good score so I wouldn't worry about that. 

More cards than I can mention in a signature.
Message 2 of 11
Regular Contributor

Re: Want to apply for CC that pulls Fico9

Hey Zach

 

FNBO uses Fico 9.  I have their M-Life card and the Visa Platinum. The M-Life I use for Vegas mostly. The Visa Platinum can be low APR and they offer frequent low rate balance transfers for the life of the transferred amount. MyFico'rs also like their Ducks Unlimited card. I hear it pays 5% for gas purchase. 

If you are in Northern California, 1st United CU uses Fico 9. Low rate Visa cards and personal lines of credit. 

 

FICO 8 EQ: 807, TU: 801, EX: 833 - FICO 9 Avg.: 850+ Total Rev CL: $415,000 - BANK of AMERICA/CHASE/CITIBANK/DISCOVER/ USBANK/AMEX/NORDSTROM/MACYS/BARCLAYS/FNBO/ JCPENNY/SEARS/TARGET/CHEVRON/1ST UNITED CU/PATELCO CU/SYNCH 2% MC /AAoA 14 years
Message 3 of 11
Regular Contributor

Re: Want to apply for CC that pulls Fico9

PenFed pulls Fico 9


Message 4 of 11
Super Contributor

Re: Want to apply for CC that pulls Fico9

NFCU pulls FICO 9. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 5 of 11
Community Leader
Senior Contributor

Re: Want to apply for CC that pulls Fico9

And I believe Wells Fargo uses FICO 9.

 

@Zach1, just because FICO 9 is used, that doesn't mean that the lender won't see what's on your report.

Message 6 of 11
Established Member

Re: Want to apply for CC that pulls Fico9

Ahh, I guess I didn’t think about that. I’m just feeling nervous. To apply for credit if I have paid collections still there.
Message 7 of 11
Established Member

Re: Want to apply for CC that pulls Fico9

No, I haven’t been denied at that score. Was mainly concerned that My paid collections would be a disqualifying factor.
Message 8 of 11
Valued Contributor

Re: Want to apply for CC that pulls Fico9

Message 9 of 11
Valued Contributor

Re: Want to apply for CC that pulls Fico9


@Zach1 wrote:
No, I haven’t been denied at that score. Was mainly concerned that My paid collections would be a disqualifying factor.

With a 720 if you have low utilization and decent income it would be highly unlikely you would be declined.  I would apply for the cards you want.  

More cards than I can mention in a signature.
Message 10 of 11
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