2012年2月1日 · Experian FICO Score 2 (also known as EX-98 or Risk Model v2) Transunion FICO Score 4 (also known as TU-04 or Transunion FICO Risk Score Classic 04) Equifax FICO Score 5 (also known as EQ-04 or Beacon 5). Also available are "Industry Option" scores that have a range of 250 to 900. These include Auto Scores and Bankcard Scores from each credit ...

2010年2月8日 · Here are the reason codes used by the three main FICO scoring formulas, broken by CRA: FICO Risk Score Reason Codes The TU codes are for TU98, which is what is still pulled here. Beacon 5.0 is the current Equifax scoring model, found here and used by most lenders who use Equifax. Experian Fair Isa...

2018年3月11日 · Fico score 5 is based on Equifax data using the Classic Fico 04 model. This is another of the so called "mortgage models". One scoring factor specific to Fico 98 (score 2) and its industry enhanced versions is charge card utilization which is based on (reported balance)/(high balance) for NPSL cards.

2008年5月28日 · The FICO Expansion score measures consumer risk based on credit data which is not in credit reports, such as deposit account records, pay day loan cashing, and purchase payment plan performance. The FICO Expansion score attempts to measure the likelihood that the consumer will become severely delinquent (more than 90 days past due) in his ...

2014年12月29日 · Re: TU FICO Risk Score, Classic 04 vs FICO 08 AndySoCal - pretty certain this was the plain old Classic 04 not the auto version. First, I had the CU branch manager read me everything off the title of the pull, and asked specifically …

2020年4月23日 · This thread is focused on capturing what we know about FICO Score 8 in one thread. Brief FICO background FICO - Fair Issac and Company - claims Score 8 is the most widely used credit scoring system. Lenders use scores to measure and understand credit risk. Credit risk is the likelihood of defau...

2014年6月13日 · I was recently denied a CLI by US Bank citing TU FICO Risk Score Classic 04 Bankcard score (622 on a range of 250 to 873) according to their letter. The score was obtained on 06/03/2014. The previous score they obtained was on 04/26/2014 (633). I'm getting TU FICO scores from Discover and Barclay's. I'm given to understand it's FICO 08.

2020年10月25日 · Your FICO® Score considers how much you owe on your credit accounts, such as credit cards and non-mortgage loans. 34. Amount owed on delinquent accounts. The amount you owe on your past-due accounts is too high. The higher the balances on past-due accounts, the greater the risk. 70. Amount owed on mortgage loans is too high

2018年7月28日 · Hi All, I received my new World of Hyatt card in the mail recently, and in their "Information about your credit score" section in the packet, I saw that my credit score was 774, which is much higher than what I remember it being. I recall my Experian score to be somewhere around 670~ and CK tells ...

2012年3月3日 · I recently got all 3 credit scores Equifax Beacon 5.0 Facta Experian Fair Issac V2 Trans Union Fico Risk Score Classic 04 and noticed that the score range is different for all 3, with the high values being 818, 844, and 839. So scores from 1 company to the next cannot be directly compared since ...