topic Re: Equifax FICO 08 percentiles in Understanding FICO® Scoring

Equifax FICO 08 percentiles

HiLine — Mon, 25 Aug 2014 01:56:48 GMT

Since a lot of us Score Watch subscribers have been switched to FICO 08, let's put our heads together to figure out the percentile chart for this newer scoring model.

I'll go first. Please add your scores in ascending order and percentiles.

744 - 61%

Updated 8/24/14:

575 - 20%

589 - 22%

596 - 24%

617 - 27%

618 - 28%

638 - 32%

648 - 34%

649 - 34%

650 - 34%

651 - 34%

653 - 35%

654 - 35%

661 - 36%

669 - 38%

670 - 38%

672 - 39%

673 - 39%

674 - 39%

675 - 39%

677 - 40%

678 - 40%

680 - 41%

681 - 41%

682 - 41%

683 - 41%

689 - 43%

695 - 45%

699 - 46%

700 - 46%

701 - 47%

702 - 47%

703 - 47%

713 - 50%

717 - 51%

718 - 52%

719 - 52%

720 - 52%

736 - 58%

744 - 61%

747 - 62%

756 - 65%

759 - 66%

760 - 67%

761 - 67%

762 - 67%

767 - 69%

773 - 71%

776 - 73%

779 - 74%

781 - 75%

782 - 75%

790 - 79%

792 - 80%

798 - 82%

801 - 84%

807 - 87%

809 - 89%

812 - 90%

841 - 99%

843 - 100%

850 - 100%

Re: Equifax FICO 08 percentiles

Anonymous — Sat, 14 Jun 2014 18:41:01 GMT

i wil be canceling this service, have had it since early 2012. Just did a tri merge report for a home loan yesterday and all 3 scores were 710-745. This new scoring model shows me at a 635, it says short history... only 15 years and 40+ good accounts. 1 negitive account from 5 years ago. this scoring is a joke.

Re: Equifax FICO 08 percentiles

azguy13 — Sat, 14 Jun 2014 18:46:09 GMT

@Anonymous wrote:
i wil be canceling this service, have had it since early 2012. Just did a tri merge report for a home loan yesterday and all 3 scores were 710-745. This new scoring model shows me at a 635, it says short history... only 15 years and 40+ good accounts. 1 negitive account from 5 years ago. this scoring is a joke.

Just because it says 'short history' does not mean that is the reason your score is lower than you expected. Scorewatch is known to provide strange statements like that. Whether you cancel or not, the scoring will not change.

Re: Equifax FICO 08 percentiles

Anonymous — Sat, 14 Jun 2014 19:06:15 GMT

I understand that, i just called to cancel and the guy that we talked to say "yea this new system isnt right" because yesterdays score watch alert for the inquiry was 748 and now its in the 630s.... I don't think so. This score is no longer relevent to us. the tri-merged scores were very close to the old FICO scores. but now they are 100+ points off and the new truck my husband bought used auto enhanced scores that were in the 760s....

they need to rethink this scoring model thats why transunion's vantage score is taking off with some of the credit unions we use

Re: Equifax FICO 08 percentiles

Gunnar419 — Sat, 14 Jun 2014 20:26:23 GMT

@HiLine wrote:
Since a lot of us Score Watch subscribers have been switched to FICO 08, let's put our heads together to figure out the percentile chart for this newer scoring model.

I'll go first. Please add your scores in ascending order and percentiles.

744 - 61%

798 -- 82%

(I just got the update to '08 today, and after all that anticipation and wondering, my score didn't change by a single point. My profile is: long, long history, AAoA 13 years, 6% overall util (but three cards of six reporting right now, darnit!), no mortgage or other installment loans, credit cards only, never a missed payment, no baddies.)

Re: Equifax FICO 08 percentiles

HiLine — Sat, 14 Jun 2014 21:01:58 GMT

@Anonymous wrote:
i wil be canceling this service, have had it since early 2012. Just did a tri merge report for a home loan yesterday and all 3 scores were 710-745. This new scoring model shows me at a 635, it says short history... only 15 years and 40+ good accounts. 1 negitive account from 5 years ago. this scoring is a joke.

So what is your Score Watch percentile?

Re: Equifax FICO 08 percentiles

bobebob — Sun, 15 Jun 2014 11:53:41 GMT

Since a lot of us Score Watch subscribers have been switched to FICO 08, let's put our heads together to figure out the percentile chart for this newer scoring model.

I'll go first. Please add your scores in ascending order and percentiles.

744 - 61%
798 - 82%
809 - 89%

Re: Equifax FICO 08 percentiles

HiLine — Mon, 16 Jun 2014 15:18:28 GMT

744 - 61%

759 - 66%

798 - 82%

809 - 89%

Re: Equifax FICO 08 percentiles

vanillabean — Mon, 16 Jun 2014 16:26:11 GMT

If I'm not part of the 100%, then what?

Re: Equifax FICO 08 percentiles

EW800 — Mon, 16 Jun 2014 16:44:25 GMT

@Anonymous-own-fico wrote:

If I'm not part of the 100%, then what?

That is awesome!!! Can I borrow a few of those points?

Re: Equifax FICO 08 percentiles

lhcole77 — Tue, 17 Jun 2014 05:27:08 GMT

736 - 58%

Re: Equifax FICO 08 percentiles

HiLine — Tue, 17 Jun 2014 18:09:42 GMT

736 - 58%

744 - 61%

759 - 66%

798 - 82%

809 - 89%

Re: Equifax FICO 08 percentiles

Involver — Tue, 17 Jun 2014 21:26:32 GMT

773 -71%

Re: Equifax FICO 08 percentiles

HiLine — Wed, 18 Jun 2014 22:11:07 GMT

736 - 58%

744 - 61%

759 - 66%

773 - 71%

798 - 82%

809 - 89%

Re: Equifax FICO 08 percentiles

HiLine — Wed, 18 Jun 2014 22:12:13 GMT

We need more percentiles in the lower 50%.

Re: Equifax FICO 08 percentiles

GFer — Wed, 18 Jun 2014 22:58:47 GMT

812 - 90 Percentile...

Re: Equifax FICO 08 percentiles

EW800 — Wed, 18 Jun 2014 23:54:06 GMT

To confirm, is it the "better than xx% of U.S. Consumers" that we should list? If so, I am at....

A score of 717 is better than 51% of U.S. consumers

Re: Equifax FICO 08 percentiles

HiLine — Thu, 19 Jun 2014 04:16:18 GMT

@EW800 wrote:
To confirm, is it the "better than xx% of U.S. Consumers" that we should list? If so, I am at....

A score of 717 is better than 51% of U.S. consumers

You got it!

717 - 51%

736 - 58%

744 - 61%

759 - 66%

773 - 71%

798 - 82%

809 - 89%

812 - 90%

Re: Equifax FICO 08 percentiles

Involver — Thu, 19 Jun 2014 16:37:27 GMT

781 - 75%

Re: Equifax FICO 08 percentiles

AzaleaB — Fri, 20 Jun 2014 13:43:22 GMT

790 - 79%