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FICO versions

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Established Contributor

FICO versions

Just wondering, in looking at my MyFico scores, does anyone know what  versions  lenders use?  Is  it FICO 8 or  the newer released versions 9 for the bankcard, auto, and I  guess general and are  those what is called the "enhanced scores?'" Thanks for any  input!

 

Might have answered my own question, sorry

 

https://www.moneyunder30.com/fico-9

 

 

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Established Contributor

Re: FICO versions

It depends on the lender.  You can pretty much count on MTG lenders using the 5,4,2 scores that max at 850 (per the scale) listed as "widely used in mortgage lending" on your FICO report.  CC's could be anything but there are bankcard scores.  Many auto lenders use one of the auto enhanced scores.  All of these can vary because they weigh things differently.

 

You can ask the lender which score they use before applying.

FICO - 8: 10/01/20 AU 8 BC 8
FICO - 9: 10/01/20 AU 9 BC 9
F5,F4,F2 10/01/20 AU... BC...
Vantage 10/01/20
AoOA - 24Y7M | AoYA – 1Y1M | AAoA – 12Y2M
Open: 10 CC: (1 reporting 13.99% : 2.95% AGG UTL) | 1 PLOC | 1 MTG loan: 74.95% UTL | 1 Auto loan: 0.82% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/24
Message 2 of 3
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Epic Contributor

Re: FICO versions


@babbles wrote:

Just wondering, in looking at my MyFico scores, does anyone know what  versions  lenders use?  Is  it FICO 8 or  the newer released versions 9 for the bankcard, auto, and I  guess general and are  those what is called the "enhanced scores?'" Thanks for any  input!

 

Might have answered my own question, sorry

 

https://www.moneyunder30.com/fico-9

 

 


Hi babbles,

 

credit_is_crack has put together this most excellent thread, may be of some help?

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

 

 

 

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