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Which Credit Score does Wells Fargo Pull?

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Regular Contributor

Which Credit Score does Wells Fargo Pull?

My understanding is that WF used to pull Fico Bankcard 02 for credit card inquiries, but they recently switched to offering free Fico 09 scores through EX. I have an account with WF, so I can access this score monthly... But when it comes to credit card applications, do they also use the EX (or TU/EQ) Fico 09 bankcard score? Does anyone know?

 

I am partly interested in their new Propel card... if they pull Fico 09, I'm probably in a good spot to get it!

 

Thanks!

 

 

Message 1 of 7
6 REPLIES 6
Valued Contributor

Re: Which Credit Score does Wells Fargo Pull?


@SHJ wrote:

My understanding is that WF used to pull Fico Bankcard 02 for credit card inquiries, but they recently switched to offering free Fico 09 scores through EX. I have an account with WF, so I can access this score monthly... But when it comes to credit card applications, do they also use the EX (or TU/EQ) Fico 09 bankcard score? Does anyone know?

 

I am partly interested in their new Propel card... if they pull Fico 09, I'm probably in a good spot to get it!

 

Thanks!

 

 


On my wells account online, when I check the FICO, its EX FICO9.

 

UPDATE: I found mail they sent me, it is EX.

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Message 2 of 7
Regular Contributor

Re: Which Credit Score does Wells Fargo Pull?

Ah, so EX Fico 09 for the credit decision? Or BC 09?

Message 3 of 7
Valued Contributor

Re: Which Credit Score does Wells Fargo Pull?


@SHJ wrote:

Ah, so EX Fico 09 for the credit decision? Or BC 09?


It's FICO, the range listed is 300-850.

ⳂαԼԼεէ ✈⛽☕ ⳎroⳎel ✈☕ ⸿sƦ ✈☕⻇ ❡olδ ⌚ ēD ☕iէ ┊ ↇᏨ⌚⛽☏ ααƤƧ ⚕ ββⳎ
⛪ ८ſu ┊ ८ſ ⻇ Ⲙileⴑp┊ qš మ ᐰmzn ᐰ√ ⌚wſ -√ ┊ ααƤƧβiz⛪ Ɲĕхт: ✿❀❁ ⮛▲G
Message 4 of 7
Community Leader
Senior Contributor

Re: Which Credit Score does Wells Fargo Pull?


@FortifiedHM wrote:

@SHJ wrote:

Ah, so EX Fico 09 for the credit decision? Or BC 09?


It's FICO, the range listed is 300-850.


@Chris were you able to figure out which flavor of FICO score they used?  All version of the "regular" FICO (EX 2, 3, 8, and 9) provide scores between 300 and 850.  By "regaular" I mean, not bankcard or auto scores that range from 250 to 900.



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Message 5 of 7
Valued Contributor

Re: Which Credit Score does Wells Fargo Pull?

First I confirmed the mail WF sent me has the same score as I see now when i login to my account.

Then on my account screen, it says FICO score 9 at the bottom.

ⳂαԼԼεէ ✈⛽☕ ⳎroⳎel ✈☕ ⸿sƦ ✈☕⻇ ❡olδ ⌚ ēD ☕iէ ┊ ↇᏨ⌚⛽☏ ααƤƧ ⚕ ββⳎ
⛪ ८ſu ┊ ८ſ ⻇ Ⲙileⴑp┊ qš మ ᐰmzn ᐰ√ ⌚wſ -√ ┊ ααƤƧβiz⛪ Ɲĕхт: ✿❀❁ ⮛▲G
Message 6 of 7
Valued Contributor

Re: Which Credit Score does Wells Fargo Pull?

They used EX FICO9 on both occasions when I app’d for the Propel 2x this year.
BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 5 EQ 4 TU 1
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