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.
Auto Loan FICO Versions
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
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