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FNBO free credit score now ( Experian Bankcard 9 )

Established Contributor

FNBO free credit score now ( Experian Bankcard 9 )

Just noticed that FNBO updated it's free credit score.

It is now "Experian Bankcard - 9"

 

 

  
Fico Scores 845 +/- (3) . . AAoA = 8 yrs . . Oldest Account = 22 yrs . . Debt-to-Income (Zero) . . * Credit Limits Capped *
10 REPLIES
Moderator

Re: FNBO free credit score now ( Experian Bankcard 9 )

Ahh, yes I see that. No change in numbers for me.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 11
Super Contributor

Re: FNBO free credit score now ( Experian Bankcard 9 )

For reasons I don't understand my Fico 9 Scores are lower than my Fico 8 scores. Beyond me and it has been that way since the Fico 9 score was introduced to my credit profile. Did notice that one poster has an older "oldest accounts" which may factory into it.

Starting Score: 829 Fico TU08
Current Score: 835 Fico TU08
Goal Score: 850


Take the myFICO Fitness Challenge
Message 3 of 11
Established Contributor

Re: FNBO free credit score now ( Experian Bankcard 9 )

No change for me

  
Fico Scores 845 +/- (3) . . AAoA = 8 yrs . . Oldest Account = 22 yrs . . Debt-to-Income (Zero) . . * Credit Limits Capped *
Message 4 of 11
Established Contributor

Re: FNBO free credit score now ( Experian Bankcard 9 )

+8 points for me, but I cannot say for sure that the increase is solely a result of the score version change.


Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SCORES: Excellent · 830 to 848
INQUIRIES: 0
UNIVERSAL REVOLVERS: $300K Club
NUMBER OF CC ACCOUNTS: Less than 10
CARD USAGE: Minimal
CREDIT HISTORY: Very Lengthy · Seasoned Accounts
INCOME: Sufficient
UTIL: 1-2%
PYMTS: 100% Positive · Always PIF · AZEO
INSTALLMENTS: No thanks!
ASSETS: 100% Equity
TOTALLY REFUSE TO: Pay Interest or Annual Fees, Combine Accounts, Reduce Limits, Submit 4506-T, SCT, App Spree, Accumulate Inquiries, Do business with Comenity, Synchrony, Cap One, Wells Fargo, Citi, Barclays or any other credit-cancerous lending institutions
Message 5 of 11
New Contributor

FNBO Using FICO Bankcard 9

I just logged into my FNBO credit card portal FNBO (First National Bank of Omaha, dba First BankCard). They are now using the FICO 9 for their customer FICO score check as well as managing the account with it. We all know the FICO 9 score versions are typically much higher than the FICO 8 or other FICO versions. So that is good news! I have their low APR rate Platinum VISA and the M-Life Rewards cards with them. 

FICO 8 Avg.: 750 FICO 9 Avg.: 805 Total Rev CL: $375,000 CHASE/CITIBANK/DISCOVER/USBANK/AMEX/NORDSTROM/ MACYS/BARCLAYS/FNBO/JCPENNY/SEARS/TARGET/CHEVRON/1ST UNITED CU/PATELCO CU/AAoA 15 years
Message 6 of 11
Community Leader
Senior Contributor

Re: FNBO Using FICO Bankcard 9


@Dave4fun wrote:

...We all know the FICO 9 score versions are typically much higher than the FICO 8 or other FICO versions... 


For some people, this is true, particularly if they have negative credit information that isn't factored into (or not as heavily factored into) the scoring model.  There are a number of us with clean reports that have reported substantially lower FICO 09 scores than FICO 08.  On average, I think most people have reported seeing relatively equal or only slightly higher (rather than much higher) FICO 09 scores.


Message 7 of 11
Valued Contributor

Re: FNBO Using FICO Bankcard 9

Yeah right,that's bs ,fico 9 is not always higher than fico8..I'm down around 40 to 50 points on fico9 .I hate it.
If You Don't Like Me & Still Watch Everthing i Do You Are a Fan

+++++Be Inspired But Don't Copy+++++



About to Enter the Garden from -------->7-20-2018 to 1-21-2019
Disclosure :Now if a lender starts tripping during this time then all bets are off !!!
Message 8 of 11
Moderator

Re: FNBO Using FICO Bankcard 9


@Dave4fun wrote:

I just logged into my FNBO credit card portal FNBO (First National Bank of Omaha, dba First BankCard). They are now using the FICO 9 for their customer FICO score check as well as managing the account with it. We all know the FICO 9 score versions are typically much higher than the FICO 8 or other FICO versions. So that is good news! I have their low APR rate Platinum VISA and the M-Life Rewards cards with them. 


That maybe true if one has medical collections as it ignores them but overall not true at all. My numbers are nearly the same for 8 as 9 on Bankcard score.


"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 9 of 11
Highlighted
Senior Contributor

Re: FNBO Using FICO Bankcard 9

Banckcard 9 for me is slightly higher. The standard FICO 9 scoring is substantially higher than 8 for me, 19 to 25 points on average. Files are clean.




Message 10 of 11