g*****p
发帖数: 3403 | | s**********g
发帖数: 14942 | 2 fico就是fico
没有什么“最准”
他就是官方的标准的分
其他fako流都是李鬼 | p******a
发帖数: 1170 | 3 只能说fico是历史最悠久，算法最科学，采用最广泛的分数计算模型。并没有所谓的“
准确”或“真实”…… | g*****p
发帖数: 3403 | | s*********t
发帖数: 16647 | 5 do u guys know how many ficos exist?
do u know what ficos are lenders using mostly?...
lol
ficos are easy once u understand them, but not this easy as in this thread... | g*******w
发帖数: 679 | 6 FICO搞的算法接受程度最高，所以大多数lender都用。首先，针对不同的贷款类型有不
同的版本算法，像credit card, mortgage, private loan都不一样。即使只看针对
credit card的FICO也有好多版本。TransUnion的有TU98和TU04。Equifax现在一般是
Beacon 5.0
以下摘自myfico.com论坛
The TU credit reports from different sources should contain the same data if
pulled at the same time.
There are two TU Fico scoring models in widespread use - TU'98 (sold by
MyFico and transunioncs.com) and TU'04. Some lenders use TU'98, more lenders
use TU'04. The same data processed by both scoring models can produce
scores differing by as much as 60 points, although 10-30 point differences
are most common. Generally (but not always), the TU'04 score is lower than
the TU'98 score, using data pulled from the same report ...
Message Edited by Revike on 08-13-2009 06:19 PM |
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