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Super Contributor
Posts: 5,971
Registered: ‎02-24-2015

Re: New installment loan data set started

[ Edited ]

Regrettably, by the time TU finally reports my installment utilization drop from 89% to 8.9%, it will be impossible to get a clear read on the impact of the drop on the non-FICO 8 scores, due to other changes in the profile (account opening, balance changes, inquiries, etc). It's a shame, because it was a nice piece of intelligence for me to learn that in my profile FICO EX 2 is indifferent to installment utilization percentage, while FICO 8 found the change to be worth 31 points.


I'll report the score changes anyway, but they won't be ironclad, and I'll have to figure out and list what other factors may have been in play.



FICO8 EQ 767 TU 803 EX 773 FICO5 EQ 722 Total revolving 419500
Super Contributor
Posts: 5,971
Registered: ‎02-24-2015

Re: New installment loan data set started

OK the results are in on my installment loan utilization dropping from 89% to 8.9% in TU report and the results are not identical to what happened in EX.


On FICO 8, as anticipated, the same 37 points I'd lost when the installment loan reported were regained.


With the other scores here's what happened or didn't happen:


FICO 4 +13

Auto 8 +58

Auto 4 +24

Bankcard 8 +56

Bankcard 4 +13

FICO 9 +36

Auto 9 +37

Bankcard 9 +34


So it seems clear to me that:


(1) my TU scores are more affected by installment utilization than my EX scores


(2) even my mortgage score jumped 13 points, while my EX score never budged


By comparison here was the reaction of the EX scores:


FICO 2 -- No change at all

Auto 8 -- +46

Auto 2 -- No change at all

Bankcard 8 -- +50

FICO 3 -- +11

Bankcard 2 -- -3

FICO 9 -- +27

Auto 9 --  +28

Bankcard 9 -- +24

FICO 8 -- +31


Although the TU results did not occur in the sterile environment of the EX test (report pulled 24 hrs after prior report with no other changes occurring), the only substantive change in TU was the addition of a new credit card account.

FICO8 EQ 767 TU 803 EX 773 FICO5 EQ 722 Total revolving 419500

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