I don't believe Comenity uses a standard Fico8 score, while I can't quickly find a source to quote I remember seeing somewhere they use an older Card score (Fico5 Card maybe?).
@Anonymous wrote:So this is weird, I app'd for a Williams Sonoma card which is a Comenity card (the only other Comenity card I have is an Express card, which I got with the SCT), and the denial letter shows an abysmal 540 something through Experian, but I track Experian in real time and as of yesterday it should be around 643. My Experian hasn't been below 600 in about a year. Weird..?!
There isn't a single Experian score, there are many FICO score models using Experian data. Comenity was no doubt using a different model. In the adverse action letter it might tell you what the lowest and highest possible scores are. That would give us a clue as to which scoring model they used.
According to @gdale6 Comenity uses an internal scoring model, unless it specifies a certain FICO scoring model.
@Anonymous wrote:Wow thank you I had no idea! I checked and the letter states the range is 300 to 850. Do you know which model that could be?
That narrows it down to 3 versions:
FICO 8
FICO 3
FICO 2
I'm guessing they used FICO 2.