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.
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.
NFCU pulls FICO 9.
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.
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.