topic Any data points on F10T utilization "trend" impacting scoring? in Understanding FICO® Scoring

Any data points on F10T utilization "trend" impacting scoring?

BrutalBodyShots — Sat, 30 May 2026 07:13:12 GMT

I'm curious if any testing has been done / there are any data points out there on how increasing utilization over time (the "trend" in data) bodes problematic for F10T where it doesn't impact the earlier versions beyond just normal utilization/threshold points. @Thomas_Thumb I figure if anyone has come across data on this, it has probably been you.

What I'm looking for would be a comparison of the same event and its impact on F10T verses F8. The comparison would go something like this:

Someone is at organically reported utilization (pays statement balances in full monthly) and tends to land at aggregate utilization percentages in a range of (say) 15%-25%. I'm picking a range that doesn't cross any utilization threshold points. Their Experian FICO 8 score we'll say is 800 just for the purposes of conversation. While unlikely, we'll say their Experian FICO 10T score is also 800 just for simplification purposes. Since their 15%-25% utilization remains steady over ~24 months, F10T sees no upward "trend" and therefore it doesn't bode problematic for scoring.

Now, let's say this same profile increases utilization to 55%-65% where it stays for a period of months. Perhaps their EX F8 score drops from 800 to 760 with the change. My question is how much more would EX F10T drop when considering that upward "trend?" From my understanding "standard" utilization is still King when it comes to F10T, with the TD simply being supplemental (less impactful). I therefore wouldn't expect a drop to 720, but I really don't know. Maybe 740? I'd like to have the privilige of speculating less and actually seeing some data points on this subject.

If anyone has any data points or insight to share, that would be absolutely fantastic.

Re: Any data points on F10T utilization "trend" impacting scoring?

FicoMike0 — Fri, 29 May 2026 21:24:22 GMT

An interesting question. I've never even seen a f10t score, where do you get one?

Re: Any data points on F10T utilization "trend" impacting scoring?

crystal626 — Fri, 29 May 2026 22:12:03 GMT

@FicoMike0 wrote:
An interesting question. I've never even seen a f10t score, where do you get one?

The myFICO subscription is the only one I'm aware of to get all of the 10s and 10Ts at the moment.

Re: Any data points on F10T utilization "trend" impacting scoring?

800wannabe420 — Sat, 30 May 2026 02:39:50 GMT

USAA furnishes an Experian 10T score.

Re: Any data points on F10T utilization "trend" impacting scoring?

BrutalBodyShots — Sat, 30 May 2026 07:12:07 GMT

@FicoMike0 wrote:
An interesting question. I've never even seen a f10t score, where do you get one?

I've only ever gotten them through a 40-score pull here on MF. I know USAA accounts are provided with one now though as well.

Re: Any data points on F10T utilization "trend" impacting scoring?

Thomas_Thumb — Sun, 31 May 2026 00:17:17 GMT

I have not seen and robust live data studies on controlled aggregate utilization comparing F8 to F10T score over time. If someone were to do one using monthly 3B reports; F10 should be included in the mix. Meaningful data would require atleast 6 months of monthly scores with aggregate utilization rising a few percentage points monthly (say 3%-6%) - imo.

Example: 3%, 8%, 13%, 18%, 23%, 28% and 33%. Graph monthly F8, F10 and F10T scores by month. Incremental changes in utilization can fluctuate but should trend upward every month.

Re: Any data points on F10T utilization "trend" impacting scoring?

BrutalBodyShots — Sun, 31 May 2026 03:56:06 GMT

Right on. That's precisely something I'd like to see. I'd figure a handful of people on this forum that have the paid plan where they get their 40 FICO scores all the time would have done some looking into how F10T tracks relative to other scores like 8. Oh well. Hopefully in time someone comes along and sees this thread that can offer some personal insight/data.

Re: Any data points on F10T utilization "trend" impacting scoring?

Zoostation1 — Wed, 03 Jun 2026 03:47:21 GMT

@BrutalBodyShots I've been doing the full 40 scores for 4yrs now, and while I have all my data in a spreadsheet, I don't have a lot of trends I can follow when looking at the scores. The few things I can point out are:

for the last 2+yrs EX has been consistently the lowest 10T score. It has been 10pts or lower than both EQ and TU for the last 21 months (even when TU had a 1 HP and EX had none).
EX also reacted more harshly when simultaneously my 6th card startedshowing on my reports and I went up to 4/6 reporting for a month.
For about 2.5yrs EQ10T and TU10T have been higher than their respective FICO 8 scores, EX10T higher than EX8has been for about 20mo

I can chart out the data at somepoint, but in some cases mine is muddied by continued profile growth . I had 2 cards with a TCL of $2.4k when I started pulling reports monthly vs the 7 and $85.7k now. The only constant in my profile is being revolver only. Next 3B will be available in a few hrs.

Re: Any data points on F10T utilization "trend" impacting scoring?

AndySoCal — Wed, 03 Jun 2026 04:51:08 GMT

Few data points

Credit Utilization 1 to 3 %

Two new accounts one in July 2025 TUC Inquiry and New account. The second new account in late December Equifax inquiry and new account. This new account is not reflected in the December scores.

FICO 8 Equifax. Trans Union. Experian

12/2025. 807. 800. 805

04/2026. 805. 795. 808

FICO 10T

12/2025. 825. 822. 835

04/2026. 814. 831. 840

All my open credit card accounts with the date open are in my siggy below. Also no installment loans.

I do not have MYFICO subscription so I am pulling the reports about every 3 to 4 months.

Hope this helps

Re: Any data points on F10T utilization "trend" impacting scoring?

TrapLine — Wed, 03 Jun 2026 11:58:59 GMT

@AndySoCal wrote:
Few data points
Credit Utilization 1 to 3 %
Two new accounts one in July 2025 TUC Inquiry and New account. The second new account in late December Equifax inquiry and new account. This new account is not reflected in the December scores.
FICO 8 Equifax. Trans Union. Experian
12/2025. 807. 800. 805
04/2026. 805. 795. 808

FICO 10T
12/2025. 825. 822. 835
04/2026. 814. 831. 840

All my open credit card accounts with the date open are in my siggy below. Also no installment loans.
I do not have MYFICO subscription so I am pulling the reports about every 3 to 4 months.

Hope this helps

Wow! Your Fico 10Ts are higher.

Re: Any data points on F10T utilization "trend" impacting scoring?

BrutalBodyShots — Fri, 05 Jun 2026 03:31:08 GMT

@Zoostation1, what about your utilization trend? I don't see where you mention it. As mentioned in my original post, I'm very curious to see the scoring impact of a utilization trend (or or down, really) on 10T relative to 8. Yours sounds to have remained somewhat constant.

Re: Any data points on F10T utilization "trend" impacting scoring?

Zoostation1 — Sat, 06 Jun 2026 00:32:37 GMT

@BrutalBodyShots Not sure how helpful this will be, but here's the whole kit and caboodle!

10T data	EQ	TU	EX	Note: FICO scores as of the 3rd of each month when 3B report is pulled	Total Reported Balance	Total Reported CL
June 2022	654	668	658	1/2 9%, 0%, 6% agr.	$100	$2,400
J	647	653	655	2/2 10%, 6%, 9% agr.	$226	$2,400
A	682	684	672	1/2 2%, 0%, 1% agr	$45	$3,800
S	689	692	679	1/2 1%, 0%, <1% agr,	$39	$3,800
O	700	692	682	1/2 1%, 0%, <1% agr,	$13	$3,800
N	670	688	679	1/3 8%, 0%, 0%, 3% agr.	$233	$8,300
D	687	699	690	1/3 3%, 0%, 0%, 1% agr	$87	$8,300
J2023	687	699	690	1/3 2%, 0%, 0%, 1% agr	$64	$8,300
F	687	685	683	1/4 2%, 0%, 0%, 1% agr. Jan HP on EX for Amex BCP reporting but not account	$48	$8,300
M	720	711	707	1/4 2%, 0%, 0%, 1% agr. Jan HP on TU for Amex BCP reporting but not account	$53	$8,300
A	710	701	695	1/4 2%, 0%, 0%, 0% <1% agr, BCP reporting	$53	$13,300
M	710	701	695	1/4 2%, 0%, 0%, 0% <1% agr	$55	$13,600
J	705	688	685	1/4 32%, 0%, 0%, 0%, 7% agr	$946	$13,600
J	711	695	690	1/4 28%, 0%, 0%,0%, 4% agr	$500	$13,600
A	708	681	683	1/5 15, 0%, 0%, 0%, 4% agr, HP for VX reporting	$535	$13,600
S	689	673	671	1/5 18%, 0%, 0%, 0%, 0% 8% agr, VX reporting	$1,794	$23,600
O	683	680	681	2/5 14%, 16%, 0%, 0%, 0%, 8.8% agr,	$2,079	$24,100
N	687	682	682	2/5, 15%, 13%, 0%, 0%, 0%, 8.7% agr	$2,102	$24,100
D	687	682	682	2/5, 12%, 17%, 0%, 0%, 0%, 8.7% agr	$2,086	$24,100
J2024	696	690	694	2/5, 13%, 14%, 0%, 0%, 0% 8.3% agr	$1,991	$24,100
F	696	704	701	2/5, 13%, 13%, 0%, 0%, 0%, 8.3% agr	$2,001	$24,100
M	699	703	701	2/5, 15%, 12%, 0%, 0%, 0%, 8.5% agr,	$2,052	$27,100
A	695	703	694	2/5, 20%, 12%,0%, 0%, 0%, 10.9% agr, Transfer 3.5k from S1 (now 1k) to VX (now 15k)	$2,967	$27,100
M	700	703	695	2/5, 14%, 12%, 0%,0%, 0%, 8.0% agr, Savor not reporting yet	$2,155	$27,100
J	698	703	699	2/5, 13%, 11%, 0%, 0%, 0%, 9.0% agr, Savor not reporting yet	$2,427	$27,100
J	680	683	675	4/6, 9%, 3%, 10%, 2%, 0%, 0% , 6.3% agr, Savor reporting	$2,955	$47,100
A	693	704	679	3/6, 9%, 8%, 13%, 0%, 0%, 0%, 7.5 %agr,	$3,516	$47,100
S	698	709	684	3/6, 9%, 7%, 11%, 0%, 0%, 0%, 7.3% agr	$3,444	$47,100
O	706	709	695	3/6, 11%, 4%, 15%, 0%, 0%, 0%, 7.5% agr.	$3,542	$47,100
N	707	711	695	3/6, 8%, 2%, 13%, 0%, 0%, 0%, 5.7% agr.	$2,690	$47,100
D	713	717	697	3/6, 9%, 11%, 12%, 0%, 0%, 0%, 8.5% agr.	$3,985	$47,100
J 2025	713	717	697	3/6 7%, 6%, 13%, 0%, 0%, 0%, 6.4% agr	$3,007	$47,100
F	719	721	700	3/6 6%, 9%, 12%, 0%, 0%, 0%, 6.7% agr,	$3,176	$47,100
M	720	726	705	3/6 7%,3%, 9%, 0%, 0%, 0%, 5% agr,	$2,480	$49,600
A	720	716	705	3/6 8%,2%, 10%, 0%, 0%, 0%, 5.48% agr,	$2,723	$49,600
M	727	730	710	3/7 , 8%, 5%, 6%, 0%, 0%, 0%. 0%. 4.8% agr	$3,323	$56,700
J	722	728	712	3/7, 7%, 11%, 0%, 0%, 0%, 0%, 9%, 6.7% agr	$3,909	$58,700
J	728	731	723	2/7 6.4%. 14.0%, 0%, 0%, 0%, 0%, 0%, 6.0% agr	$3,379	$58,700
A	730	732	711	3/7, 7.9%, 17.4%, 9.9% rest 0 8.4% agr EQ and TU. EX 6.4%, 14.0%, 9.9%rest 0, 7.0 agr EX	$4930 EQ TU/ $4121 EX	$58,700
S	730	735	711	3/7 7%, 2%, 7%, 0%, 0%, 0%. 0%, 4.0% agr	$2,635	$66,200
O	730	735	711	3/7 8%, 12%, 5%, 0%, 0%, 0%, 0%, 6.2% agr	$4,091	$66,200
N	730	735	-	3/7 11%, 7%, 6%, 0%, 0%, 0%, 0%, 6.2% agr	$4,119	$66,200
D	730	735	711	3/7 7%, 2%, 6%, 0%, 0%, 0%, 0%, 4.0% agr	$2,625	$66,200
J 2026	730	735	711	3/7 10.5%, 7.8%, 4.7%, 0%, 0%, 0%, 0%, 5.4% agr.	$3,990	$74,200
F	730	737	713	3/7 4.7%, 14.4%, 4.6%, 0%, 0%, 0%, 0% , 5.1% agr	$3,780	$74,200
M	730	742	720	3/7 9.5%, 4.0%, 6.2%, 0%, 0%, 0%%. 0%, 5.0% agr (4.97)	$3,695	$74,200
A	730	742	720	3/7 5.0% Sav 3.2% VX, 4.5% BCP, 0%, 0%, 0%, 0%, 3.1% agr	$2,622	$85,700
M	730	742	720	3/7 6.2% Sav, 5.7% VX, 4.0% BCP, 0%, 0%, 0%, 0%, 3.8% agr	$3,236	$85,700
J	730	742	717	3/7 8.6% Sav, 2.2% VX, 3.1% BCP, 0%, 0%, 0%, 0%, 3.3% agr.	$2,823	$85,700

Re: Any data points on F10T utilization "trend" impacting scoring?

Thomas_Thumb — Sat, 06 Jun 2026 14:09:24 GMT

@Zoostation1

Good info on 10T. Your inclusion of cards reporting balances and their utilization levels is helpful. However, you forgot to include corresponding Fico 8 scores. The stated objective is to compare the 2 models relative to changes in aggregate utilization. Your added data allows for red flagging outlier data points such as a high single card utilization.

I'm interested in how 10 compares to 10T. If you add Fico 8 scores, can you also add Fico 10?

P.S.

I understand you have some derogatories on file. What is the anniversary month of your most recent derog, its age and severity? The score spike in March 2023 is noteworthy. Also your scores appear to have stablized at a higher level over the past 12 months. Maintaining at 7 cards has probably helped stability.

Re: Any data points on F10T utilization "trend" impacting scoring?

Zoostation1 — Sat, 06 Jun 2026 16:32:55 GMT

@Thomas_Thumb My derog is a CH7 filed Oct 2017 and it's the only piece of credit history I have prior to Nov 2021 when rebuild started (all old accounts were gone before I started subscribing to the 3B reports). Couldn't get a table to work and not exceed character limits. I finally had to just paste it in as an image for FICO 8, 9, and 10. My EX drops this month on all 9 and 10 scores have been grinding my gears (I have separate post on that one from a couple days ago, there's no obvious reason behind the drop).

Re: Any data points on F10T utilization "trend" impacting scoring?

BrutalBodyShots — Sun, 07 Jun 2026 03:52:38 GMT

@Zoostation1 thank you for the data. You keep nice records of everything! I think the issue here is that your aggregate utilization for years has remained very low. It seems you only crossed the first aggregate utilization threshold point once really. Your growing TCL has prevented your aggregate utilization from being volatile. The other issue I see in terms of conflating variables is that your scores are naturally increasing over time... of course your aging metrics all improve, your negative items age, etc.

In looking at the F10T vs F8 numbers from say late 2022 verses late 2023 (after aggregate utilization trended up 7-8% give or take) I'm not seeing any notable difference between the "before" and "after" F10T vs F8 scores. Would you agree with that, @Thomas_Thumb? I'd imagine this minimal utilization upward "trend" simply isn't enough to move the needle for F10T.

Re: Any data points on F10T utilization "trend" impacting scoring?

Zoostation1 — Sun, 07 Jun 2026 09:38:49 GMT

Some other things that caught my attention as looking deeper into my reports are that the reason code about high balances in relation to credit limts replaced the second one using the ratio of recent to historical balances terminology. Neither code has ever been above 4th in the list but starting in Feb 2025 EQ started having the high balances reason code. TU had the ratio of recent to historical balances until then and now has nothing similar. EX was like TU but lost it a month earlier. EX also has had the too many accounts with balances reason code ever since sep 2024 (3rd month I had 3 more more accounts reporting balances, and has stayed around since).

Re: Any data points on F10T utilization "trend" impacting scoring?

Thomas_Thumb — Mon, 08 Jun 2026 05:11:10 GMT

@BrutalBodyShots

@Zoostation1

Adding new CC accounts along the way certainly influences results. That makes analysis more difficult.

It looks like from Aug 2024 onward cards reporting balances was maintained at 3 of 6 and then 3 of 7 except 1 month was 2 reporting. That neutralizes impact of that factor.

In March 2023 EQ 10T scores spiked up to 720 and remained above 700 thru August before dropping. Note how total balance in $ changes. It took over a year before EQ 10T scores surpassed 700 again. In contrast, F10, shows the spike up in March but not the subsequent decline. F9 and F8 scores did not show the spike up or subsequent drop. Those model scores continued their gradual increase.

The difference in EQ 10T behavior vs EQ 10 is worth a closer look. TU 10T and EX 10T showed some increase/decrease in 2023 as well but, nowhere near as pronounced as EQ.

The 10T and 10 spike up may relate to adding a 4th card while maintaining AZE1 at low total $ balance. The subsequent 10T decline likely relates to an upward trend in aggregate balance (not utilization). Once aggregate balance stablized, 10T scores respond positively after a lag time. Key point is 10T reacts to a rate of change in $ balance, not the balance per se. So stability at a $3k total balance over time is no more risky than stability at a $50 total balance from a trending perspective.

I may plot EQ8, EQ10 and EQ10T scores by month on Y1 axis (scale 670-750) with Ag UT% and/or ratio of total $ balance to a historical average total balance on a Y2 axis. Then do a 2nd plot for TU and a 3rd for EX as a visual analysis. So far I have not worked up the motivation to key in all the data.

Side note:

Trended data often looks at a moving average over time. It looks like ratio of current balance to moving average could be a risk indicator metric.

One trend visual could be plotting ratio of current aggregate balance divided by 6 month average balance. A ratio above 1.0 indicates current balance exceeds historical average. Is that an issue? Probably not unless the ratio crosses some threshold, say 2.0, and remains elevated for more than "X" months.