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What score to use?

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Established Member

What score to use?

When applying for new cards, what score should I be looking at? Overall FICO? Or the FICO Bankcard Score 9 (or the older versions of the bankcard scores?)

3 REPLIES 3
Valued Contributor

Re: What score to use?

Depends on the lender. Some use FICO 8, some use one of the bankcard versions, some use FICO 9.

Either search the 'approvals' section of forums for a specific lender to determine which score was used for most approvals or post the question about a specific lender and folks will chime in.
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Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 07/01/2019: EX 741 ✦ EQ 727 ✦ TU 733
Current FICO 9s | 06/01/2019: EX 753 ✦ EQ 751 ✦ TU 732
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 780s


My AAOA: 2.7 years not incl. AU / 2.10 years incl. AU
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Message 2 of 4
Established Member

Re: What score to use?

I will do that! Thanks!

Message 3 of 4
Super Contributor

Re: What score to use?

Or give the lender with which you're considering applying for a product a call and ask them which scoring model they use. 

Message 4 of 4
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