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Good luck in your journey. Taking control of your spending and paying all of your bills on time will allow your score to climb higher. The additional benefits are less stress and the ability to save lots of financing (interest) dollars over time which down the road gives you more spending cash.
Congratulations and thank you for sharing! Your post was the first I read in regards to a lender that uses the FICO 9 scoring. Successful you are! Thats great! My FICO 9 scores are near 800 and so of course I wish more lenders would use that scoring model as well.
I got an email the other day from GM Financial (which is my dealer's captive lender unfortunately). The email headline read something along the lines of use FICO 9 for better calls on loan applications. So I'm assuming that they switched or are switching. I'm not sure since I didn't read the entire thing (that decision is above my paygrade) since we pull Auto Fico 8 for EQ and then 4 and 5 for TU and EX.
But that is great news on the PIF collections helping FICO 9.
yes also amazon chase visa uses fico 9
Evidently Paypal Credit uses Fico 9 now as that is the TU score on my letter.
@Anonymous wrote:yes also amazon chase visa uses fico 9
They do? Linky please?
Congrats!
Question: Where can one obtain their FICO 9 Equifax score?
For example, CreditCheckTotal provides FICO 8 Equifax and Equifax.com provides FAKO score.
Any good source for FICO 9 Equifax score specifically?
Thank you!!
Thanks!
Does anyone know which lenders use Equifax FICO 9 specifically? So far I believe PenFed does it for all of their products. Any others?
It's by far my best score, e.g.:
FICO 8 Equifax: 770
FICO 9 Equifax: Approaching 830
...
Transunion FICO 8: Under 600
Thanks!!