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.

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 …

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 ...

2008年5月23日 · Classic is just another name for the Mortgage score I believe which relates to all release models and it's about to be updated with FICO 08 in 2009 est. Classic will still refer to the mortgage score. You have Classic/Mortgage, Wamu PFICO/Card Enhanced and Auto Enhanced. I think fair is 560-659 for a mortgage score.

2019年3月28日 · I am currently in the process of securing a preapproval for my first mortgage. The lender I am using (TrustCo Bank) requires a minimum score of 700 between the Experian Fico Risk Model v2 and Transunion FICO Risk Score Classic 04. I recently paid off some credit card debt to bring my overall utilization to <30%.

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...

2013年8月20日 · One of the easiest ways to see a large increase in your FICO score, is to pay down your revolving debt (CC). Conversely, one of the easiest ways to see your FICO scores tank, is to "max" out your CC's (this means 90% of util). You also noted above that you have "some" consumer debt, but go on to state that your CC's are "maxed" to the tune of 12K.

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.