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Equafix scoring?

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killer_queen229
Established Contributor

Equafix scoring?

So Amex provides you with your Experian score and Discover with Transunion, is there any card company now or in the future that will provide your Equafix score for free? Experian score is 741 and Transinion is 729. 

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takeshi74
Senior Contributor

Re: Equafix scoring?

Make sure you're considering the specific scoring model.  FICO 8 is commonly used but it's not the only FICO model used by creditors.

 

Some off the top of my head but others found with quick Googling:

 

Citi provides an Equifax FICO 8 Bankcard

PenFed provides an Equifax FICO NextGen

DCU provides an Equifax FICO 5 (EQ 04)

Huntington Voice provides an Equifax FICO 02 Bankcard (?)

 

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Thomas_Thumb
Senior Contributor

Re: Equafix scoring?

Citi provides free monthly Fico 08 Bankcard score (scale 250 to 900) from Equifax to credit card holders.

 

Generally, Fico 08 Bankcard scores track closely to Fico 08 Classic scores in the 500 to 780 score range. The scores diverge significantly at the tail ends.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
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killer_queen229
Established Contributor

Re: Equafix scoring?

I was able to check my Equafix score and it's 714. So my scores are 741 729 714
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