FICO 04 / FICO 8 and AU Scoring

Anonymous · ‎10-29-2013

I've seen bits and pieces in threads about which bureau includes AUs in their FICO scoring, but I don't know which ones exactly. So, to over simplify my question(s):

Does AUs get factored in scoring for TU / EX / EQ (FICO 04) models?

Does AUs get factored in scoring for TU / EX / EQ (FICO 8) models?

All 6? Or each one does something differently?

llecs · ‎10-29-2013

Yes to all 6. At one point in time the newest FICO8 versions were to exclude AUs, but FICO had backed away from that during the development phase and AUs are fully scored.

Anonymous · ‎10-29-2013

Thank you!

AndySoCal · ‎10-30-2013

FICO 08 has a difference in how it scores authorized users. The link below is from the creater of the score

http://www.fico.com/en/Products/Scoring/Pages/FICO-score.aspx

Click on FICO 08 score product sheet and page 2 the section on authorized user abuse.

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HiLine · ‎11-23-2013

@AndySoCal wrote:
FICO 08 has a difference in how it scores authorized users. The link below is from the creater of the score

http://www.fico.com/en/Products/Scoring/Pages/FICO-score.aspx

Click on FICO 08 score product sheet and page 2 the section on authorized user abuse.

Thanks for the notice! It will be very interesting to see how FICO deals with the authorized user abuse topic.

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