@taxi818 wrote:Any members have this card. i just applied the other day and since my equifax was frozen they called me and ask me to unfreeze it. which i complied.
got approved for 5k. however. i noticed they are not using a fico score.
they pulled eq. but it also shows transunion on the t and c.
it said score ranges from 343 low to 818 highest.
i ranged a 661.
not sure what that means.
my eq fico is 663 but my transunion is 706. not sure where the number came from. for sure no mention of a fico.
anyway. i get another call today from a rep. advisinge me no balance transfer fees.
interest rate i got was 9.99 percent. although the lowest is 6.99 percent. i told her i had 4 accounts i could put on there and she said. send her my last statement from each account. now i have made payments on every account since then. and most of the statements does not have my account numbers. as they are blocked out.
Rep then called me back on phone. said she contacted all the lenders and got my current balances. and sent checks out to them already. How in the hell when i never gave her the account numbers. im not mad. just curious this is awesome service. for a small credit union. any one else know them. let me know.
Are you certain it was not 334 - 818?
That would be EQ Beacon 5.0 real scoring range.
@Anonymous wrote:
@Revelate wrote:
@taxi818 wrote:Any members have this card. i just applied the other day and since my equifax was frozen they called me and ask me to unfreeze it. which i complied.
got approved for 5k. however. i noticed they are not using a fico score.
they pulled eq. but it also shows transunion on the t and c.
it said score ranges from 343 low to 818 highest.
i ranged a 661.
not sure what that means.
my eq fico is 663 but my transunion is 706. not sure where the number came from. for sure no mention of a fico.
anyway. i get another call today from a rep. advisinge me no balance transfer fees.
interest rate i got was 9.99 percent. although the lowest is 6.99 percent. i told her i had 4 accounts i could put on there and she said. send her my last statement from each account. now i have made payments on every account since then. and most of the statements does not have my account numbers. as they are blocked out.
Rep then called me back on phone. said she contacted all the lenders and got my current balances. and sent checks out to them already. How in the hell when i never gave her the account numbers. im not mad. just curious this is awesome service. for a small credit union. any one else know them. let me know.
Are you certain it was not 334 - 818?
That would be EQ Beacon 5.0 real scoring range.
Does that typically spell out lower than EQ08?
For people on this forum, often as on average people get clean and start working on their derogatories and have plenty of tradelines.
Doesn't work in practice all the time though, people that have no credit cards open or to a lesser extent no installment lines open, or a bunch of inquiries get slammed under FICO 8 in comparison to the older FICO 04 anecdotally.
Also helps that nuisance collections are ignored under FICO 8.
For the edge cases of people like MVV and Android01 and similarly astonishingly gold plated reports, FICO 8 is always higher. Can get 850 under FICO 8 where as Beacon 5.0 capped at 818.
