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Different FICO scores

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Anonymous
Not applicable

Different FICO scores

Would someone mind breaking down the different FICO scores for me, please? Like FICO score 2, FICO bank card score 8, FICO auto score 8, etc.? I guess not so much what each of them mean, but WHY there are different FICO scores? And is there one that's more important than the rest?

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4 REPLIES 4
MasonK
Frequent Contributor

Re: Different FICO scores

This is a good place to start.

 

Read through this and it should be a good starting point for understanding all the different scoring models. If it sparks some other questions not covered, feel free to ask those, too.

1/1/16 FICO8 Scores: EX: 407, EQ: 403, TU: 455
4/1/24 FICO8 Scores: EX: 832, EQ: 820, TU: 834
FICO9 EX: 818
Total Revolving Limits: $152,300

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Anonymous
Not applicable

Re: Different FICO scores

Will do! Thank you :-)

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SouthJamaica
Mega Contributor

Re: Different FICO scores


@Anonymous wrote:

Would someone mind breaking down the different FICO scores for me, please? Like FICO score 2, FICO bank card score 8, FICO auto score 8, etc.? I guess not so much what each of them mean, but WHY there are different FICO scores? And is there one that's more important than the rest?


There are 28 different FICO scores covered in the MyFICO reports.

 

It's hard to say what's most important. It seems that FICO 8 and FICO 9 are the most common for credit cards and loans.

 

The scores almost universally used for mortgage applications are EX FICO 2, EQ FICO 5, and TU FICO 4.  Sometimes these are used for credit card and personal loan applications as well.


Total revolving limits 650200 (530700 reporting) FICO 8: EQ 708 TU 714 EX 715

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Anonymous
Not applicable

Re: Different FICO scores

Thank you for the info!

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