Low fico 8, high mortgage scores

Anonymous · ‎01-19-2017

Please share if this was your case

Anonymous · ‎01-20-2017

fico 8 EQ EX TU 684,653,620 morg,675,650,682

sjt · ‎01-23-2017

@Anonymous wrote:
Please share if this was your case

My friend pulled their My FICO scores and their FICO 2 score is 52 points higher then their FICO 08 score. He had some 6 year old charge offs that kept reporting until he paid them a few months ago. This made his delinquencies fresh and FICO 08 penalizes recent derogs.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815

909 · ‎01-25-2017

Mine are usually about the same. One is sometimes lower, but not always.

Fico 8 Scores
7/2020: EQ - 842; TU - 832; EX - 848
10/2017: EQ - 823; TU - 835; EX - 824
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 670
5/2014: EQ - 653
11/2013: EQ - 645
05/2013: EQ - 656
11/2012: EQ - 646

Eight CCs ($179,500 CL, 0%-1% UTIL)
AoOA = 18.6 years, AAoA = 60 mos., AoYA = 18 mos.
One mortgage, one HELOC, no car loans.
Derogs from 2009 and 2010 now gone after 7 years. I started paying attention to credit scores in about 2014. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011