It's always nice when you're better off than you thought. I have yet to really look at Fico 9 scores because it appears most of the kenders still refer to Fico 8. I remember reading up on the Fico 9's recently but can't remember what the differences were.
@RM21 wrote:It's always nice when you're better off than you thought. I have yet to really look at Fico 9 scores because it appears most of the kenders still refer to Fico 8. I remember reading up on the Fico 9's recently but can't remember what the differences were.
Right, most lenders use exisiting FICO 8 or prior versions. It would be NICE for most lenders to use FICO 9 
@Anonymous wrote:
@RM21 wrote:It's always nice when you're better off than you thought. I have yet to really look at Fico 9 scores because it appears most of the kenders still refer to Fico 8. I remember reading up on the Fico 9's recently but can't remember what the differences were.
Right, most lenders use exisiting FICO 8 or prior versions. It would be NICE for most lenders to use FICO 9
Meh, I'm less than impressed with FICO 9. My TU is 50 points higher at 690 but EQ and EX are both in the 590's.
@Anonymous wrote:
@Anonymous wrote:
@RM21 wrote:It's always nice when you're better off than you thought. I have yet to really look at Fico 9 scores because it appears most of the kenders still refer to Fico 8. I remember reading up on the Fico 9's recently but can't remember what the differences were.
Right, most lenders use exisiting FICO 8 or prior versions. It would be NICE for most lenders to use FICO 9
Meh, I'm less than impressed with FICO 9. My TU is 50 points higher at 690 but EQ and EX are both in the 590's.
Yikes! 
That sucks!
@Anonymous wrote:Is buying the reports the only way to see the fico 9 scores??? I am curious to see what mine would be.
My understanding is the biggest difference is in collections. If a collection is under $250 it won't be factored in the scoring. Unpaid medical collections don't have as much of a negative factor, if a collection is paid off and reporting a $0 balance, it won't be factored in the scoring. For me, this means this $150 medical collection holding me back on EX and EQ would no longer be a factor. I have 18 more months before it is gone on fico 8.
edited to add: I purchased my Experian report just to see the fico 9 score. I want my money back! lol My Fico 9 score is 24 points LOWER!!
Hi mimof4,
That's what I was reading recently about FICO 9 scoring reasons to exclude those with medical collections (Haven't read further than that but will do this weekend if I have time LOL).
I subscribe monthly for 3B (which comes out every 3 months) and yesterday was the first time it included FICO 9 scoring for me, I thought it would be lower due to my recently bankruptcy a year ago but was surprised it's higher than my FICO 8! I've also read others with good credit that got lower FICO 9! It sure is strange and I wouldn't like that either. 