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全部话题 - 话题: fico
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s******r
发帖数: 868
1
来自主题: Money版 - fico分数突然降了30分左右
之前抱怨过说discover给的fico比creditkarma少了三十多分。后来发现两个问题,一
个是后来discover给了上个月的分数,发现是从780降到了750。
第二个是 discover的分数今天发现也更新了,transunion和equi的分数都忽然剪了近
30分。 所以两边是match的。那问题来了:为什么会有这样一个忽然减分啊 还是剪30
分那么多。我最近就申请个discover。再也没干过别的了。为什么会突然减30分那么多
啊。有人遇到过这样的情况吗?
h*******s
发帖数: 186
2
amex我三张卡都没有fico
j****2
发帖数: 759
c*****h
发帖数: 14923
4
据说amex的fico用的是experian的数据
t*********r
发帖数: 2431
5
不是据说,amex fico页面上清楚说了这是Experian Bank 8 Score
t******k
发帖数: 553
6
贷款买车、买房都是用的什么分数 ?我知道三大信用局的评分标准,不同于FICO分数
。那么,贷款买车、买房时候,贷款银行都是采用什么分数为依据?申请新的信用卡,
又是什么分数?有点糊涂了。
接下来几个月,正在考虑买车和车贷。 所以,想提前学习一下信用分的知识。谢谢
h****s
发帖数: 16779
7
每家自己算的分数。
所以别在意太多,1年别申新卡,别关旧卡,一般问题不大。
[在 tigerkkk (3KU) 的大作中提到:]
:贷款买车、买房都是用的什么分数 ?我知道三大信用局的评分标准,不同于FICO分数
:。那么,贷款买车、买房时候,贷款银行都是采用什么分数为依据?申请新的信用卡
,又是什么分数?有点糊涂了。
:...........
l*l
发帖数: 2043
8
来自主题: Money版 - Discover Fico score
和Amex Fico Score差30多,这正常吗?
s**********g
发帖数: 14942
9
来自主题: Money版 - Discover Fico score
这都不是同一个FICO吧
f********n
发帖数: 1647
10
差了二十多 正常么?这分数真的是fico?
f********n
发帖数: 1647
11
谢谢科普...

FICO
b**********g
发帖数: 5537
12
今天收到verizon寄来的信用报告,我的equifax只有514分,但amex和discover信用卡
账户里的FICO都是780分,怎么会差这么多?平时信用卡里信用分看多了我还一直以为
自己信用分很好呢。
f*****g
发帖数: 736
13
一个月内申了CSP和PRG, FICO Score (AMEX) 从769降到728正常吗?
谢谢
S*****i
发帖数: 610
14
来自主题: Money版 - 信用卡自带的FICO SCORE靠谱吗
那个是FICO 8 模型
申请信用卡可以参考
但是申请房贷 就别看那个了 不是一个类型.
l******n
发帖数: 1204
15
discover 和 citi card都提供免费的FICO 分数,但是不一样,差20分,那个靠谱?
l******n
发帖数: 1204
16
FICO分数没有统一的公式?
感觉太搞了
m**2
发帖数: 3374
17
Discover Launches Free FICO Scores for Everyone
h**G
发帖数: 9825
18
citi是Equifax
amex的fico不是Experian吗?
then what's the big deal?
N**k
发帖数: 3584
19
FICO的分偏低吧,我的是~770,但TransUnion和Equifax都是~800。
V*s
发帖数: 2452
20
打回去从新学习fico score的不同版本
p******a
发帖数: 130
21
来自主题: Money版 - FICO score连续两个月猛降
我的FICO score连续两个月猛降,从790多降到了640,想问一下这是什么情况。查了所
有的信用卡,没有忘记还钱的情况,也没有贷款。

发帖数: 1
22
谢谢
另外我刚刚试了一下 credit check total, 还挺好用的 三家的fico score 都有
v**********9
发帖数: 846
23
来自主题: PennySaver版 - 查看FICO分数伤信用吗?
DISCOVER现在可以免费查看FICO分数,请问这样会伤信用吗?求解答
谢谢!
r*****5
发帖数: 37
24
恳请面过Intel SAP FICO职位的朋友能否分享一下面试经验。
谢谢!
y****i
发帖数: 17878
V*s
发帖数: 2452
26
来自主题: SanFrancisco版 - 决定refi前如何知道自己FICO分数?
考虑做refi了,但是自己三个月前mortgage时分数约730,所以现在不清楚自己是否到
了740这个槛。
请教有啥办法能知道自己分数?信用卡送的那些FICO肯定不行了,不是mortgage分数。
多谢啦。
t******t
发帖数: 149
27
来自主题: SanFrancisco版 - 决定refi前如何知道自己FICO分数?
免费的没有见过
收费的可以上myfico.com上去查,现在能查3家了,早些年只能查两家
Discover Statement上有一个score,确实是fico score,不过可能不是银行用的版本
。银行用的版本老一点。
c*****4
发帖数: 900
28
来自主题: SanFrancisco版 - 决定refi前如何知道自己FICO分数?
现在没有太好的办法,可以找一个免费pull credit的broker hard pull一下credit看
到底是多少分,mortgage的分数用的是FICO模型,一般比Credit Karma等等的要低一些
。信用包括的有效期是90天。

发帖数: 1
29
来自主题: SanFrancisco版 - 购房贷款所需FICO分数collection记录
就是说付完collection里的钱fico反而要下降,再慢慢回升!?这还不如不还,都是
credit report上挂七年,他肯定也不会sue我为这点钱。

发帖数: 1
30
来自主题: SanFrancisco版 - 购房贷款所需FICO分数collection记录
就是说付完collection里的钱fico反而要下降,再慢慢回升!?这还不如不还,都是
credit report上挂七年,他肯定也不会sue我为这点钱。
l******h
发帖数: 855
31
来自主题: Statistics版 - FICO 好吗?
fico equifax 和transunion
A*****r
发帖数: 795
32
来自主题: Statistics版 - FICO 好吗?
不是fico,是experian
b********r
发帖数: 764
33
来自主题: Statistics版 - FICO 好吗?
我有个同事是从FICO跳过来的,据说经常裁员。
l******h
发帖数: 855
34
来自主题: Statistics版 - FICO 好吗?
真的吗? 我看了下FICO的glassdoor,他们好多也说那里没什么企业文化。。。
w*******y
发帖数: 60932
35
log into your account, then to account service, free FICO score just click.
Might be for other GEMB cards too.
K**S
发帖数: 105
36
来自主题: _DC版 - 这里有没有做SAP FICO的?
对不起/感谢,占用贵网空间了。
Current project is kind overwhelmed.
It seems I need to sharpen my CO-PC, CO-PCA, CO-PA skills, and a lot more.
I'd like to build a small instant-messenger-FICO team and share any issues
encountered at work online in realtime.
n******r
发帖数: 1247
37
来自主题: Statistics版 - How to transform predictor variable?
FICO is in no way more explainable than ln(FICO)
Do you know how FICO is calculated and scaled? How do you know FICO is in a
linear relationship with your target variable?
Fair Issac can one day do a sqrt transformation of FICO and still give it
out as FICO. You still use it the same way or all of a sudden FICO^2 makes
more sense to your boss?
if FICO is not in a good linear relationship with the target, your
prediction can be very off when you look at the performance by different
FICO bands, i.... 阅读全帖
h*****1
发帖数: 435
38
来自主题: Money版 - 昨天申SPG悲剧了
昨天没给答复,今天查了一下状态:
hank you for your recent application for the Starwood Preferred Guest Credit
CardSM from American Express. We do value your desire to establish a
relationship with us. We regret that we are unable to approve your request.
Reason(s) for Our Decision
Your FICO® score (See below)
Information About Your FICO® Score
We obtained your FICO score from Equifax and used it in making our credit
decision. Your FICO score is a number that reflects the information in... 阅读全帖
d******a
发帖数: 3976
39
来自主题: Money版 - 今年不够努力
*是以前搞过今年重搞的

1月: UA 55K, FICO 680
2月: SW 50K, FICO 673
3月: BOA HA 35K, SUNTRUST DELTA 30K(CHECKING), CITI PREMIER TYP 5
0K, FICO 686
4月: NFL REWARDS 20K, AMEX DELTA BIZ GOLD 30K* ,FICO 686
5月: 闲的
6月: 闲的
7月: CHASE PC 80K, FICO 686
8月: SPG 30K*, US BANK FLEXPERK, FICO 686
9月: AMEX HHONORS* 40K
10月:闲的
11月: BOH HA 35K, NFL 40K APPLICATION WAS CANCELLED DUE TO OFFER
EXPIRATION(BS,GOT NO HARDPULL),FICO 679
最近手机新PLAN,EXPERIAN的分数显示699。
12月准备搞The Hilton Reserve 和CHASE FAIRMONT
LD:
1月: UA 55K
2月: AMEX M... 阅读全帖
F****n
发帖数: 5117
40
来自主题: Money版 - 今年不够努力
pai

*是以前搞过今年重搞的

1月: UA 55K, FICO 680
2月: SW 50K, FICO 673
3月: BOA HA 35K, SUNTRUST DELTA 30K(CHECKING), CITI PREMIER TYP 5
0K, FICO 686
4月: NFL REWARDS 20K, AMEX DELTA BIZ GOLD 30K* ,FICO 686
5月: 闲的
6月: 闲的
7月: CHASE PC 80K, FICO 686
8月: SPG 30K*, US BANK FLEXPERK, FICO 686
9月: AMEX HHONORS* 40K
10月:闲的
11月: BOH HA 35K, NFL 40K APPLICATION WAS CANCELLED DUE TO OFFER
EXPIRATION(BS,GOT NO HARDPULL),FICO 679
最近手机新PLAN,EXPERIAN的分数显示699。
12月准备搞The Hilton Reserve 和CHASE FAIRMONT
LD:
1月: UA 55K
2月: A... 阅读全帖
g*******w
发帖数: 679
41
大多数lender还是用FICO,问题是我们不确定具体用的哪个版本。Commonly used for
mortgage的FICO版本是FICO Score 4 (TU), FICO Score 2 (EX), FICO Score 5 (EQ)
。Lender也可能用其它版本的FICO。
在myfico可以买到将近30个版本的FICO: http://www.myfico.com/crediteducation/fico-score-versions.aspx
m**2
发帖数: 3374
42
有影响,但会小一些。
Medical Debts Will Soon Weigh Less On Your Credit Score, But They're Still A
Problem
Seeing a doctor should make you healthier. But what happens when the bill
comes? If you are like one-third of Americans, you struggle to pay your
medical bills.
The number one cause of personal bankruptcy has less to do with spendthrift
habits and a great deal more to do with bad luck when it comes to your
health: medical bills are the leading reason that Americans file for
bankruptcy.
When patients c... 阅读全帖
t****r
发帖数: 1606
43
来自主题: SanFrancisco版 - 如何能让不同lender在同一天pull credit
30天之内不影响。
http://www.myfico.com/credit-education/credit-checks/credit-report-inquiries/
Looking for a mortgage, auto or student loan may cause multiple lenders to
request your credit report, even though you are only looking for one loan.
To compensate for this, FICO Scores ignore mortgage, auto, and student loan
inquiries made in the 30 days prior to scoring. So, if you find a loan
within 30 days, the inquiries won't affect your scores while you're rate
shopping. In addition, FICO Scores look on... 阅读全帖
p*******i
发帖数: 1181
44
Car Dealers Can Use "Different" FICO Scores Than The Ones You See
The car dealer is probably using what is known as the FICO Auto Industry
Option score instead of a traditional FICO credit score. You see, car
dealers not only get to select the credit reporting agency they receive FICO
credit scores from...they also get to decide if they will use a traditional
FICO credit score or a variation of a FICO score called an Auto Industry
Option score.
What's the difference between these two types of sc
k******o
发帖数: 3328
45
My original statement is "一般说来,每次hard pull your credit profile, 你的FICO score 可能会降15-30.不过大都在三个月内回复", even though your hard pull history might stay in your credit profile for two years.
Do you mean your FICO credit score will not return to the pre-hard pull lever within two years? Suppose your FICO score is 750, after hard pull (i.e. by applying credit card), your FICO score might drop to around 725,depending on case, do you indicate that your FICO score will not return to 750 within two years, g... 阅读全帖
V*s
发帖数: 2452
46
做pre-qualified loan没hard pull的FICO score怎么行?别说Karma分数一毛钱也不值
,就是Discover给你的FICO分数也没意义。
个人的经历,Discover的FICO分数连续半年都760以上,最近一个770多,信用记录也两
年多了,以为这下低利率没问题了,结果几个lender查下来都是不到720,一查他们用
的FICO分数根本就不是我们能免费或者花钱看到的那个模型(FICO 08或其他名字),
mortgage lender看到的FICO分数,用户根本买不到看不到。
买房子就不要怕被hard pull了,lender会把过去半年的hard pull列出来让你解释的,
只要解释是shopping for loan but no credit account opened就行。
m*****a
发帖数: 2609
47
来自主题: Money版 - 分享信用分数对房贷的影响
最近在买房,还在进行中,不过请citibank写了pre-approvel letter,这个过程pull
了我的credit,而且被告知,如果我90天内proceed,他们不会再pull我的credit了,
所以我应该算看到creidt的所有影响了。
1。首先,只要你高过740,再高没有任何意义。
(words from my Citibank loan specialist) as long as your score is higher
than 740, you will get the excellent level rate. Once you reach that level,
it doesn't help further even if you are higher, say, 800. It only means the
credit score won't be the bottleneck of your mortgage loan. The lender will
look into other factors that affect your mortgag... 阅读全帖
m**2
发帖数: 3374
48
Barclaycard US – Your TransUnion FICO score is available anytime you log in
to your account online.
Discover – Your TransUnion FICO score appears on each of your monthly
billing statements.
First National – Your Experian FICO score is available anytime you log in
to your account online.
Citi – Starting in January 2015, your Equifax FICO score will be available
anytime you log into your account online.
Chase — Starting in the first few months of 2015, customers with a certain
card will get free a... 阅读全帖
s*********3
发帖数: 2890
49
740以上都算是top了。
814应该相当于S&P的AAA
745应该相当于S&P的AAA-
FICO应当和income关系比较小;和还款记录,贷款历史长短关系比较大。我朋友失业在
家2年多,FICO还是818啊。
两个月前买车向银行借钱,可能引起FICO temporary下降。 过6个月再查查看。另外,
也是有一些办法可以让FICO在几个月里上升50分的。
所以如果你既要买房,又要买车,记住: 一定要先买房, 后买车, 绝不能倒过来。
贷房款后,对FICO是个plus. 因为你的资产会越来越增加(在正常市场情况下, 房价多多少少是会上升的); 贷车款后,对FICO是个minus.因为你的资产会越来越减少。

2008雷曼破产
X***9
发帖数: 7385
50

信用分数三大公司 equifax transunion and experian
首先看你的银行看那家的分数,一般车贷房贷都是看前两家,后一家一般租公寓买手机
之类的信用参考
当然三家分数大致相同 但历史可能不同 比如说一家小银行给你做了贷款 可能只报了
experian 但是没报其他两家的话 其他两家是没有信用纪录的。
贷款买房三家都会查
买车只需要查一家 euifax或transunion
我想你的问题是问自己查的信用分数和买房查的信用分数一不一样 这要看查到时候用
的什么软件标准 比如说discover卡自带的免费信用查询的分数就偏高。而且discover
也注明了只提供 transunion一家的Fico分数
网上也有关于这个分数差的疑问
“Discover card says my fico is 751, but I have a credit monitoring service
that shows the 3 agency scores that are between 699-706. Which is more
reliable/used when applyi... 阅读全帖
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