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Fico Score Versions: Did You Know You Have More Than One?

There are multiple FICO score versions depending on the type of credit product like auto loan scores, mortgage scores and credit card scores.
fico score versions
fico score versions

If you’re working on improving your FICO credit scores, you may want to take a deeper dive by viewing ALL of your FICO scores because you don’t just have one.

Depending on what you’re applying for, lenders might look at different versions of your FICO score. And we’re not talking the credit scores at Credit Karma, we’re talking about the actual FICO scoring model used by 90% of lenders.

If you’re in the market for a car loan, there’s a FICO score specifically tailored for auto loans.

Experian

FICO® Auto Score 9
FICO® Auto Score 8
FICO® Auto Score 2

Equifax

FICO® Auto Score 9
FICO® Auto Score 8
FICO® Auto Score 5

Transunion

FICO® Auto Score 9
FICO® Auto Score 8
FICO® Auto Score 4

Mortgage Loan FICO Versions

Dreaming of owning a home? Yep, there’s a distinct score for mortgage loans, too.

Experian

FICO® Score 2

Equifax

FICO® Score 5

Transunion

FICO® Score 4

Bankcard FICO Versions

And that credit card application? Some credit card issuers use the base FICO score for general lending decisions like FICO versions 8, 9 or 10.

But most credit card issuers likely use the FICO Bankcard Scores, a specialty credit score that helps determine if an applicant qualifies for a credit card, as well as the card’s interest rate and credit limit.

Unlike base FICO scores that range from 300–850, FICO Bankcard Scores range from 250–900 and focus on how consumers manage their credit cards.


Experian

FICO® Bankcard Score 9
FICO® Bankcard Score 8
FICO® Score 3
FICO® Bankcard Score 2

Equifax

FICO® Bankcard Score 9
FICO® Bankcard Score 8
FICO® Bankcard Score 5

Transunion

FICO® Bankcard Score 9
FICO® Bankcard Score 8
FICO® Bankcard Score 4

Base FICO Versions

This is the most common type of FICO score and is used for general lending decisions such as personal loans, student loans and retail credit. FICO® Score 8 is the score most widely used by lenders.

Experian

FICO® Score 9
FICO® Score 8

Equifax

FICO® Score 9
FICO® Score 8

Transunion

FICO® Score 9
FICO® Score 8

 

Final takeaway

The good news is that you can access the different score versions, all in one report, to see what you’re working with but it’s not free.
 
If you want access to the different industry-specific FICO scores you’ll have to sign-up for a plan at myfico.com.
 
The important takeaway is your FICO score varies; and knowing which one is being used can give you a leg up to manage your credit like a pro!
 

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