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Credit Card companies using fico 9

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Maxmyscore
New Member

Credit Card companies using fico 9

Anyone know which CC companies are using Fico 9 and the bureau they pull from
Message 1 of 23
22 REPLIES 22
ExplicitElicit
Established Contributor

Re: Credit Card companies using fico 9

Penfed now uses Fico9 - They pulled EQ for me.

Message 2 of 23
SouthJamaica
Mega Contributor

Re: Credit Card companies using fico 9

FICO 9 used by: Marcus loans (TU), Redstone FCU, 5/3 Bank, PenFed (EQ)
FICO Bankcard 9 used by: Lake Michigan Credit Union (TU)

 

Update: also Alliant Credit Union pulls TU FICO 9 (at least for CLI requests)


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 3 of 23
Anonymous
Not applicable

Re: Credit Card companies using fico 9


@ExplicitElicit wrote:

Penfed now uses Fico9 - They pulled EQ for me.


+1. PenFed pulled my EQ last night and used my Fico9 score.

Message 4 of 23
Anonymous
Not applicable

Re: Credit Card companies using fico 9

I seem to remember someone saying that Alliant was using FICO 9 in at least some of its decisions.  SouthJ or anybody else, does that ring a bell?

 

The following language appears on Alliant's web site:

 

FICO scores no longer includes late medical payments that have been paid off, so if any of your overdue bills are for medical expenses, paying them off should remove them from consideration when calculating your FICO credit score.

 

http://www.alliantcreditunion.org/money-mentor/raising-your-credit-score-step-by-step

 

This language would be markedly untrue for FICO 8, but makes sense if Alliant has switched to FICO 9.

Message 5 of 23
SouthJamaica
Mega Contributor

Re: Credit Card companies using fico 9


@Anonymous wrote:

I seem to remember someone saying that Alliant was using FICO 9 in at least some of its decisions.  SouthJ or anybody else, does that ring a bell?

 

The following language appears on Alliant's web site:

 

FICO scores no longer includes late medical payments that have been paid off, so if any of your overdue bills are for medical expenses, paying them off should remove them from consideration when calculating your FICO credit score.

 

http://www.alliantcreditunion.org/money-mentor/raising-your-credit-score-step-by-step

 

This language would be markedly untrue for FICO 8, but makes sense if Alliant has switched to FICO 9.


Your memory is better than mine, CGID. You're right. For my recent CLI request Alliant pulled TU FICO 9.

 

It was also mentioned by another poster that he had heard Alliant pulls TU FICO 9.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Alliant-CU-Approved-for-30-000/m-p/5011995#M500135

 

 


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 6 of 23
K-in-Boston
Epic Contributor

Re: Credit Card companies using fico 9

Navy FCU also seems to be switching to FICO 09 and the credit scores they are giving are EQ 09.  They've traditionally pulled EQ and TU, so I would only assume they'll use EQ 09 and TU 09 going forward, much to my chagrin as my 09 scores are much lower for some reason(s).

Message 7 of 23
mitchblue
Valued Contributor

Re: Credit Card companies using fico 9

Can't seem to see my Fico score on PENFED, even the old Vantage. Just disappeared. I did change my email recently not sure if that would change anything.. Either that or they moved it to a hidden spot.

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)
Message 8 of 23
credit_endurance
Valued Contributor

Re: Credit Card companies using fico 9


@mitchblue wrote:

Can't seem to see my Fico score on PENFED, even the old Vantage. Just disappeared. I did change my email recently not sure if that would change anything.. Either that or they moved it to a hidden spot.


A few of our members including myself haven't been able to view ours either. I did email them regarding this and they claim it's a template issue where only 3 of the 4 are displaying for some and should be corrected by mid Sept which is totally unexceptionable IMHO.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 9 of 23
mitchblue
Valued Contributor

Re: Credit Card companies using fico 9


@credit_endurance wrote:

@mitchblue wrote:

Can't seem to see my Fico score on PENFED, even the old Vantage. Just disappeared. I did change my email recently not sure if that would change anything.. Either that or they moved it to a hidden spot.


A few of our members including myself haven't been able to view ours either. I did email them regarding this and they claim it's a template issue where only 3 of the 4 are displaying for some and should be corrected by mid Sept which is totally unexceptionable IMHO.


Thank you..

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)
Message 10 of 23
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