@bsal wrote:Has anybody notice that their Fico 9 scoring is alot loswer then score 8 ? so are all consumers moving towards fico 9 ? this is bad for me
It's just like the FICO 8 implementation, some are up and some are down, but since we don't have regular access to FICO 9 it's hard to really state any sort of conclusively yet what the differences are.
For example, my EQ FICO 8 is in my signature, my EQ FICO 9 is a 780, and I just can't for the life of me fathom why it's a 780 but my EX FICO 9 is not unless FICO 9 harshly, and I mean HARSHLY penalizes very recent inquiries, presumably as an anti-application-spree measure. We're talking 75 points lower, it's pretty head-scratching when I went over the reports with a fine tooth comb and the only difference is a very recent inquiry and some additional older inquiries from back in last August. Can compare my EQ / EX FICO 8's from siggy, they're in line with each other, and FICO 9 was supposed to be way closer scores for identical reports than even FICO 8 as I understood the marketing literature and the FICO business requests from their consumers correctly.
