Which fico score is the most common used?

[Anonymous]

I show a range on all three scores from 713 to 746.   Which is the most common used when applying for credit. 

[Anonymous]

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Red14 wrote:

I show a range on all three scores from 713 to 746.   Which is the most common used when applying for credit. 

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welcome to thwe boards Red!

The truth is that it depends on the creditor, and the region of the country you currently hold residence.

A good resource for Credit Cards for instance is www.whogavemecredit.com the site allows you to look at each independent creditor and see where the people who applied were when they applied and which CRAs information was used.

Hope that helps.

Good Luck.

Rob

Post edit - I should have told you that I live in CT and the most frequent CRA pulled is EX.

Message Edited by FICO_Focused on 09-07-2007 02:42 PM

[Anonymous]

Thanks for the information.  Yes, I am new to this site and have recently taken an interest in my fico score.  Do you know if the score changes daily or monthly?   I've recently paid down all my credit cards and I hope this will help my credit score. 

[Anonymous]

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Red14 wrote:

Thanks for the information.  Yes, I am new to this site and have recently taken an interest in my fico score.  Do you know if the score changes daily or monthly?   I've recently paid down all my credit cards and I hope this will help my credit score. 

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Your score is a Snap Shot taken at the exact moment you request it... It changes as new information is added to it. Even in the same day.  If you are referring to the Scorewatch product, which is CO-BRANDED by MyFICO from EQ, you will receive updates 3-4 days after a change has been made and if no changes once per month.

Rob