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Former myFICO Employee
Posts: 361
Registered: ‎01-16-2014

Announcing FICO® Score 9 in FICO® Score products

[ Edited ]

You may have noticed that starting on February 11th, your FICO® Score 9 versions became available on new report pulls on myFICO. FICO® Score 9 is the most recent version of the FICO® Score and lenders are migrating over to this newest version.


What’s new with FICO® Score 9?


As part of our commitment to periodically updating our scoring models, we recently released the newest
FICO® Score version—FICO® Score 9. It has a few important differences from older FICO Score versions:


  • Third party collections that have been paid off no longer have a negative impact
  • Unpaid medical debt is now treated differently than other types of unpaid debt. Unpaid medical debt has less of a negative impact on a FICO Score 9
  • Rental history, when it’s reported, factors into the score—this may be especially beneficial for people with a limited credit history


Will your FICO® Score 9 be different from other FICO® Score versions?


Very likely. It's natural for the FICO Score versions to be different as they are each based on a unique FICO® Score formula.  How big the point difference and in what direction may be different based on each individual’s profile.

Our research shows a large percent of U.S. consumers have FICO Score 9 scores that are relatively close to their FICO® Score 8 version. Generally speaking, a person scoring high on FICO Score 9 will score high on the FICO Score 9 industry score versions as well as on FICO Score 8 versions, as the underlying factors of a higher score are consistent across the versions (paying bills on time, keeping credit debt low and seeking credit sparingly).

However, it is possible for a greater score difference to occur for a variety of reasons. Updates to a new version, such as how paid off collections are treated, could impact how certain credit report items are scored. Or, points assigned for carrying high credit card balances may have a greater impact in one version versus the other as risk patterns may have changed over time. 


Comparing these additional scores won't really help you as lenders don't pull all these versions when evaluating a request for credit. It’s more advantageous to focus on your current or near-term credit needs to determine which version will likely be accessed and let that be your guide.  

Regardless of FICO® Score version, the factors that affect a FICO® Score remain the same:

  •  Pay your bills on time
  •  Keep credit card balances low
  •  Open a new credit account only when you need it


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‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

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