EQ04

[cartwrna]

Had DCU pull my EQ04 this morning and it came back at a 676 compared to my 706 FICO08.

[SunriseEarth]

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@cartwrna wrote:
Had DCU pull my EQ04 this morning and it came back at a 676 compared to my 706 FICO08.

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If you have questions regarding why the scores differ, you may want to post in "Understanding FICO Scoring" to learn more.  

[cartwrna]

No, I understand the scoring. Just wanted to post Incase anyone does a search in regards to how scores compare and how different they can be

[takeshi74]

They really should be looking in the Understanding FICO Scoring subforum as well.

[cartwrna]

Not only is this an example of how the scores may differ, but also an update for the rebuilding forum to show what accomplishments I have made. I frequently post updates to score changes etc

[racer-x]

What I don't get is, what's the sense in having an 08 score?

If 04 is for mortgages, Auto 8 for cars, bankcard 8 is for credit cards....what is 08 used for?  Insurance quotes/premiums?

[ddemari]

most credit card companies use fico 08 for credit cards. Some do a bankcard credit score more than likely you will get a regular fico 08 score for approval for credit card/ bank loans. 

[racer-x]

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@cartwrna wrote:
Had DCU pull my EQ04 this morning and it came back at a 676 compared to my 706 FICO08.

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But what is your EQ Fico 5?  That is the equivalent to the EQ 04 that DCU pulls.  You have to get the myFico 3B reports to see the mortgage, auto, bankcard scores.

I too have DCU and it is spot on my EQ Fico 5 but the DCU score is 30 or so lower than my myFICO EQ 08.

[racer-x]

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

[cartwrna]

DCU uses EQ04