Re: Who Uses Equifax FICO Score For Credit Cards?

daveg38 · ‎02-01-2012

I just went to Equifax and bought my Equifax Fico score - 725

Who uses this model/report for credit card decisions?

Ch7 Discharge: 5/14/2016 | Target RedCard $900 | Merrick DYL $500

seattletravels · ‎02-01-2012

Google lender pulls.

BECU Visa : $40,000 Date Opened: 02/2020

Delta Reserve : $20,000 Date Opened: 01/2020

Amex Blue Cash Preferred : $19,900 Date Opened : 07/2013

Chase Freedom Unlimited : $19,300 Date Opened : 02/2020

Citi Double Cash : $19,000 Date Opened : 06/2015

B of A Cash Rewards : $16,000 Date Opened : 12/2013

Barclaycard Ring : $10,000 Date Opened : 06/2017

Citi Simplicity : $9,000 Date Opened : 10/2011

Commerce Special Connections : $8,000 Date Opened 04/2015

Discover It : $7,100 Date Opened : 04/2013

Marriott Bonvoy Boundless : $5,500 Date Opened 07/2013

Delta Platinum : $2,000 Date Opened : 08/2018

Last App: BECU 02-26-2020
Pronouns: He/Him/His

Juan123 · ‎02-01-2012

im pretty sure the majority of lenders use fico scores... the EQ fico score from here should\will be the same as the EQ fico score you bought from equifax.com

On a different note, i've noticed the last couple of months that a lot of lenders pull EX and TU instead of EQ... maybe thats just me though.

there is no real list out there that shows what CCC pulls EQ only though... a lot of CCC's apparently pull different CR's according to your location...

Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750

Take the FICO Fitness Challenge

Long way to go ^_^

Anonymous · ‎02-01-2012

I believe it to be random. Discover pulled my Equifax.

TBC

daveg38 · ‎02-01-2012

I froze all three and only want to open up Equifax for business as this has the lowest 2 yr INQ's (8) and best DTI.

Ch7 Discharge: 5/14/2016 | Target RedCard $900 | Merrick DYL $500

pizzadude · ‎02-01-2012

Be aware that your FICO score may be part of the decision, but ultimately it is the information on your reports that determines if you are approved.

Many lenders use their own in-house scoring systems, which look at many things, including your score, to process your application.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

visorboy1974 · ‎02-01-2012

Nordstrom is one of them...but they may also pull TU if you're borderline for approval.

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818

CS800 · ‎02-01-2012

@Anonymous wrote:
I believe it to be random. Discover pulled my Equifax.

TBC

Discover generally pulls EQ. At least they did for me.

Open123 · ‎02-01-2012

In California, for me I've seen Chase, US Bank, Discover, and GE all pull Equifax exclusively.

MarineVietVet · ‎02-01-2012

@daveg38 wrote:
I just went to Equifax and bought my Equifax Fico score - 725

Who uses this model/report for credit card decisions?

You have to be very careful what you buy from EQ. Yes they sell an EQ FICO but they also sell their own proprietary "Equifax Credit Score" that is not a FICO and is not used by any lenders. If what you got said "FICO" anywhere then you should be good to go.

Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Who Uses Equifax FICO Score For Credit Cards?

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Who Uses Equifax FICO Score For Credit Cards?