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Wells Fargo gives FICO Bankcard 2 score...

sjt
Senior Contributor

Re: Wells Fargo gives FICO Bankcard 2 score...


@BronzeTrader wrote:

The guidelines are different too for different FICO scores....


What do you mean?

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (2.20.21) EX: 838 / EQ: 846 / TU: 843
Message 11 of 14
Fluffybubbles
Regular Contributor

Re: Wells Fargo gives FICO Bankcard 2 score...

Oddly enough DH has a Wells Fargo card and it shows his as "fico score 5 equifax data".
Message 12 of 14
BronzeTrader
Valued Contributor

Re: Wells Fargo gives FICO Bankcard 2 score...


@sjt wrote:

@BronzeTrader wrote:

The guidelines are different too for different FICO scores....


What do you mean?


Different FICOs have different calculations. There may be one way to optimize one FICO, but not good for the other FICO. They may look at different things.

Message 13 of 14
TygerHawke
Established Contributor

Re: Wells Fargo gives FICO Bankcard 2 score...


@BronzeTrader wrote:

@sjt wrote:

@BronzeTrader wrote:

The guidelines are different too for different FICO scores....


What do you mean?


Different FICOs have different calculations. There may be one way to optimize one FICO, but not good for the other FICO. They may look at different things.


As a rule, doing the right things to build your credit FILE, will also build your credit SCORE - regardless of scoring model.  I'm not talking about optimization tricks like manipulating utilization and credit mix - I'm talking about the basics, like paying everything on time and never paying late - those are universal.

Don't sweat the small stuff...just keep building Smiley Happy

Message 14 of 14
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