AS OF 07/25/21
This post is built to help others see which reports banks are pulling based on where you are -- all the data on here comes from MyFICO'rs posts. It is also aimed at Personal Credit Cards (VS/MC/DC/AX), but it does include 2 store card exceptions (Macy's & Target).
This is a very YMMV situation.
Several other factors apply and vary by lender (things such as these reasons can heavily influence your application outcome - inquiry/new account sensitive, income, forgiveness for prior behavior, total available credit, age of report, credit seeking behavior, the state you live in, etc.). This is just to share what they are most likely to pull based on reported data points.
CALL-OUTS:
HOW TO READ IT:
GRID #1 - WHICH REPORT IS PULLED BASED ON YOUR STATE?
GRID #2 - WHICH BANK USES WHICH REPORT VERSION?
@credit_is_crack wrote:So I went on a mini-spree recently and the one thing I noticed is that more and more banks appear to have migrated to using the FICO 9 version instead of FICO 8. Just wanted to share in case anyone was curious (as I know a lot of us apply based on our best foot). This is YMMV - some folks see auto increases from F8 < F9, some see auto decreases. Not sure what's driving the divide though. I'm referring to the core FICO 8 & 9 score, not the bankcard or specialized versions.
As a sample my scores as of todays report (03/18/19):
EXPERIAN -- FICO8 (765) < FICO9 (798)
EQUIFAX -- FICO8 (764) < FICO9 (797)
TRANS UNION -- FICO8 (783) < FICO9 (800)
My "Price you pay" letter descriptions from apps over last 8-10 months. Some were for new apps, some for CLI's or mergers (Navy is known to use TU for new apps and then EQ for CLIs, I'm sure a few others do that too).
- Bank of America, TU F8 (new app)
- Amex, EX F8 (new app & SP CLI)
- Citibank, EQ F8 (SP CLI)
- Chase, EX F8 (new app)
- USAA, EX F2 (HP CLI) - get with it USAA!
- PNC Bank, EX F9 (new app)
- US Bank, TU F9 (new app)
- Synovus, EQ F9 (new app)
- Navy FCU, EQ F9 (HP CLI)
- PenFed FCU, EQ F9 (SP CLI)
- FNBO, EX F9 (SP CLI)
Great information! Thanks for sharing!
Thx CIC
Wells Fargo uses EX09 for checking/savings. Dunno about credit tho
@Meanmchine wrote:Thx CIC
Wells Fargo uses EX09 for checking/savings. Dunno about credit tho
Anybody know who Wells Fargo uses for credit card apps? Could be EX09 or TU 09 but don't want to assume
Updated to include Fifth-Third Bank
@credit_is_crack wrote:
@Meanmchine wrote:Thx CIC
Wells Fargo uses EX09 for checking/savings. Dunno about credit tho
Anybody know who Wells Fargo uses for credit card apps? Could be EX09 or TU 09 but don't want to assume
They Pulled my EX9 when they approved me Sep of last year 2018.
@JR_TX wrote:
@credit_is_crack wrote:
@Meanmchine wrote:Thx CIC
Wells Fargo uses EX09 for checking/savings. Dunno about credit tho
Anybody know who Wells Fargo uses for credit card apps? Could be EX09 or TU 09 but don't want to assume
They Pulled my EX9 when they approved me Sep of last year 2018.
Thanks for the info @JR_TX and @FicoGuy2019. I added it to the list
Very helpful....thank u