Re: What report does the Apple Card use

Anonymous · ‎06-27-2020

These are my current scores but it differs from what Apple uses and from my vantage score from Credit Karma. What could they be using? I also have no deragatory accounts that I am aware of.

blindambition · ‎06-27-2020

They use TU FICO 9.

Anonymous · ‎06-27-2020

My understanding is Apple Card uses TransUnion FICO 9.

Anonymous · ‎06-27-2020

What's on your TransUnion report that is killing your FICO9 score from them?

(I'm taking an interest because my FICO9 is always 100 pts lower than my FICO8, and I'm wondering if you're in the same boat - looking for DPs)

NRB525 · ‎06-27-2020

What does your MyFICO TU FICO 9 look like? Any correlation to what GS is telling you?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

What report does the Apple Card use

Get your FICO® Score for free

What report does the Apple Card use