Mortgage increased only 7 points compare to 45 points increase in FICO 8

[Anonymous]

Hi
 My mortage score increased few points compare to Fico 8 score.

Here is my situation 

On Dec-15-2015   
     
badcock storecard : $0/$1300
capital one :      $340/$1500
capital One :  $0/$500  
capital One :  $0/$500  
capital One(AU)  :  $707/$1600
chase  :  $198/$1000
credit ONE  :  $14/$450
BOA  (AU)   : $682/$2500
BOA  (AU)   : $24/$1000
BOA         : $4024/$7000 (2 late payment in Dec 2014)
BOA   : $1630/$3000 (1 late payment in Dec 2014)
jcp   : $0/$1000
target     : $0/600
vystar      : $5788/$8000

Credit UTL : 47%

Fico score 8
Experian : 671 
Equifax : 645 (2 collection)
TU : 647  (1 collection)

Mortgage score
Experian : 656
Equifax : 614 (2 collection)
TU : 627 (1 collection)

Now on April -11-2016

badcock storecard : $0/$1300
capital one :      $0/$1500
capital One :  $0/$1100  
capital One :  $0/$1100  
capital One(AU)  :  $405/$1600
chase  :  $14/$1000
credit ONE  :  $8/$700
BOA  (AU)   : $0/$2500
BOA  (AU)   : $118/$1000
BOA         : $3354/$7000 (2 late payment in Dec 2014)
BOA   : $1329/$3000 (1 late payment in Dec 2014)
jcp   : $0/$1500
target     : $0/600
vystar      : $2271/$8000

Credit UTL : 24%

Fico score 8
Experian : 715 
Equifax : 677 (2 collection)
TU :   693 (1 collection)

Mortgage score
Experian : 664
Equifax : 626 (2 collection)
TU : 634 (1 collection)

You can see my UTL lower down from 47% to 24%, but I got few points increase in mortgage score ( 8 points in EX, 12 points in EQ and 7 points in TU) but FICO 8 increases (43 points in EX, 32 points in EQ and 45 points in TU)

I tried my level best to boost mortgage score, but don't see much improvement. Any idea or suggestion welcomes.

[Anonymous]

You still have several cards with balances. You'll get the maximum boost possible from utilization by paying all the cards off except for one card with ~1% or less reporting.

[Anonymous]

You're currently reporting 7/14 cards with balances. That's half your cards & it's significant to Fico algorithms.

[Anonymous]

Hi

THanks for your reply. Still I don't understand impact on balance with cards. FICO 8 score increased 40 points on average compare to 8 points on mortgage scores. for each one its roughly 50-60 points compare to FICO 8 and mortgage score.

[Anonymous]

Hey! Mortgage scores are a mystery. What works for one, might not work for the other. What I have noticed during my 1000 hours of researching them is that they are very sensitive to collections.