myFICO 3B Report Results

[youdontkillmoney]

Paid for my scores for the first time in my life at 41 years of age, here are the results:

Equifax:

802 (Score 8)

807 (Mortgage Score 5)

771 (Auto Score 8)

825 (Auto Score 5)

818 (Bankcard Score 8)

802 (Bankcard Score 5)

Transunion:

790 (Score 8)

809 (Mortgage Score 4)

792 (Auto Score 8)

796 (Auto Score 4)

803 (Bankcard Score 8)

836 (Bankcard Score 4)

Experian:

795 (Score 8)

802 (Mortgage Score 2)

775 (Auto Score 8)

786 (Auto Score 2)

813 (Bankcard Score 8)

809 (Bankcard Score 3)

810 (Bankcard Score 2)

[NRB525]

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@youdontkillmoney wrote:

Paid for my scores for the first time in my life at 41 years of age, here are the results:

Equifax:

802 (Score 8)                     756

807 (Mortgage Score 5)     724

771 (Auto Score 8)             759

825 (Auto Score 5)            717

818 (Bankcard Score 8)     754

802 (Bankcard Score 5)     696

Transunion:

790 (Score 8)                    775

809 (Mortgage Score 4)    752

792 (Auto Score 8)            771

796 (Auto Score 4)            712

803 (Bankcard Score 8)     783

836 (Bankcard Score 4)     728

Experian:

795 (Score 8)                     765

802 (Mortgage Score 2)    732

775 (Auto Score 8)            751

786 (Auto Score 2)            698

813 (Bankcard Score 8)    782

809 (Bankcard Score 3)    697

810 (Bankcard Score 2)    693

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Apparently several of the scores really DON'T like Utilization

[Thomas_Thumb]

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@NRB525 wrote:

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@youdontkillmoney wrote:

Paid for my scores for the first time in my life at 41 years of age, here are the results (left column):

EQUIFAX		Fico 3B	Fico 3B	Fico 3B	Fico 3B	Fico 3B
802	Score 8	756	850	690	705	840
807	Mortgage Score 5	724	809	700	685	784
771	Auto Score 8	759	884	701	703	857
825	Auto Score 5	717	827	697	684	800
818	Bankcard Score 8	754	886	708	718	860
802	Bankcard Score 5	696	825	721	705	807
TRANSUNION
790	Score 8	775	850	706	707	840
809	Mortgage Score 4	752	823	731	698	792
792	Auto Score 8	771	897	728	710	874
796	Auto Score 4	712	872	746	703	822
803	Bankcard Score 8	783	900	723	725	874
836	Bankcard Score 4	728	858	745	730	827
EXPERIAN
795	Score 8	765	850	720	783	850
802	Mortgage Score 2	732	839	728	786	822
775	Auto Score 8	751	889	728	785	871
786	Auto Score 2	698	858	746	784	857
813	Bankcard Score 8	782	898	739	802	875
809	Score 3	697	830	697	810	804
810	Bankcard Score 2	693	870	741	800	849

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Apparently several of the scores really DON'T like Utilization

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Here are a few more data sets for model score comparisons. [Additional data sets welcome - new set in bold added 10-26-2015].

Note EX score 3 is not a bank card score - it is Fico 4 classic (range 300 to 850 - not 250 to 900 which is bankcard)

Note: The Experian results on the furthest right column are higher than the other two CB scores. This is a situation where a baddie shows up on two CB reports but not the third one. Isolated CB reporting can be true for less negative factors - particularly inquiries.