What credit score or FICO score do you use? Aven uses FICO V9 and VantageScore 4.0 from Experian, a top credit reporting agency Related articles My credit is frozen. What can I do? Is there an initial draw requirement? Why do I have to wait the 3 business cancellation or rescission period? How do applicants get higher credit limits? How does Aven determine the credit line size and interest rate?