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What score to use?

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?)

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.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 05/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 04/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s

My AAoA: 3.1 years not incl. AU / 3.5 years incl. AU
My AoOA: 7.3 years not incl. AU / 9.3 years incl. AU
Inquiries: EX 1/6 | 1/12 ✦ EQ 1/6 | 1/12 ✦ TU 1/6 | 1/12
Report Status: Clean

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
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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