EQ04

[cartwrna]

And my EQ04 is exactly 30pts lower than FICO8

[racer-x]

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@cartwrna wrote:
And my EQ04 is exactly 30pts lower than FICO8

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I understand that DCU is 04...what is your myFICO EQ 04?

[cartwrna]

You can get your EQ04 directly from Equifax website under there products tab. $19.99 for one time pull.

[cartwrna]

If you go that route make sure you get the FICO version because they also offer an internal EQ score.

[gdale6]

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@racer-x wrote:

I know US Bank uses Bankcard Classic 04...as recent as last month.  Got the denial in print to prove it. lol.

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Cap-1 uses 04 basic, my local CU uses 04 V2 the mortgage score for all their products including CC, so not all the big banks have switched to Fico 08 as some of us had thought.

[racer-x]

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@cartwrna wrote:
You can get your EQ04 directly from Equifax website under there products tab. $19.99 for one time pull.

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I know i know.  I have every credit monitoring service known to man.  I spend over $200 month easily.  I'm an idiot.

I thought you were comparing your DCU score to your fico EQ 08 score.  I was under the impression that you didn't know what your fico EQ 04 score was.

Guess I was confused why you were comparing DCU 04 to fico 08.  That's really like apples and oranges.