US Bank is now using FICO 10 !!

[FicoMike0]

@JoeRockhead, @Thomas_Thumb ,

You guys are the experts, you get to name the terms. This month, I'm going for aze2/9 see if my scores change. I think adding the second number helps.

I guess I'll remain in ignorance of my fico10s, paying for scores makes it seem too serious. 

[Thomas_Thumb]

In your case I'd just say 2 of 9 with balances or 2/9 with balances. The remainder at $0 is understood.

The All Zero Except (AZE) prefix identifies with numbers, not ratios. 

P.S. the AZEO acronym was coined by CreditGuyIn Dixie (CGID) in 2015. It's in common use but, AZE1  is a better fit given the use of AZE2 ...

[mgood]

My FICO 9 are usually higher than 8, but not recently.

As of June 1:

Model	EQ	TU	EX
FICO 5, 4, 2	751	717	728
FICO 8	781	763	772
FICO 9	766	756	766
FICO 10	722	739	749
FICO 10 T	705	720	728

[mgood]

How'd y'all get the tables in there? I had to copy/paste someone else's post and then change the numbers. It left me with this ghost table after it that I can't get rid of. 

[Thomas_Thumb]

@mgood 

I generally create my tables in Excel but sometimes word. Then I highlight them and do a Control C or copy, go to my post click on a free space and do a Control V or right click on my mouse and click on paste to insert.

Fyi - if you click on the top left cell of your blank table a row of icons should show at the bottom of your page. You may need to scroll down to see them. One shows a table with an X thru it. Click on that icon to delete your table. Other icons allow you to add or delete rows or columns.

[FicoMike0]

I do get my turd 1 score free every month when i request a cli from usb. 

[Zoostation1]

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@Thomas_Thumb wrote:

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Good points on 10 vs 10T. AZE1 has less influence on F9 than F8 and less on F8 than F04/F98. I don't get a F10 score but the models have been adding more impact to card UT, AG UT and AG balance while reducing importance relating to # of cards with balances. As it should be - imo.

F10T can trend aggregate balance not just aggregate utilization. Adding cards and CLIs to lower utilization won't hide an increasing balance trend. I suspect Fico may smooth the trended data before scoring to avoid unnecessarily eratic score fluctuations. In other words it may use time a weighted average for total balance such as: trended AG balance = .5x(current bal) + .35×(month prior bal)+ .15x(two month prior bal).

P.S. I'm all for abolishing the AZEO acronym. We should standardize on AZ, AZE1, AZE2 ...

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This month I had my second highest aggregate balance ($3909 vs $2721 last month) even though the percentage wasn't anything unusual at 6.7%, but on EQ 10T it brought back the reason code "You have high balances in relation to your credit limits over time on credit card and/or other revolving accounts".   When I switched to from AZE1 (I'm on board with the nomenclature switch) to 2 cards reporting I got that for a number of months, then it went away, came back again when I started letting 3 report, but eventually went away for a number of months till now.  It kinda seems like the reason code only comes up when there's a signfiicant spike, but goes away when you have stable reported balances that don't change much month to month.

[Thomas_Thumb]

Good info. Yes, Fico 10T looks at stable vs increasing vs decreasing trends. 

Unfortunately 10T reason codes appear to suck. Based on your UT% you never had high balances in relation to your credit limits - you were just increasing your use of credit. Code should say: your use of available credit is increasing.

[youngandcreditwrthy]

HI all, 

so I used one of the pre appoval tools for a US Bank card.. can't remember which as there are a couple that could be useful.

I had "no offers at this time" LOL even with a 720 FICO 08 on EXP where they soft pull. This was back on 6/25/25

I get the Adverse Action letter and it has my FICO 10 at 640???!!!!

Has the new Fico 10 score makeup even been made publicly available? As I understand it, the score has been reformulated to include the BNPL schemes (which I only used twice more than two years ago and only one reported, but they are PIF)

I still have massive pre approved amounts from Affirm and Afterpay, but I check my credit almost daily.. the reports... and scores to a degree.... but there is no new info on my Exp report and that was from 6/25. So,

Is US Bank now using FICO 10 and how do we find their scoring makeup? Ive noticed my actual FICOs are always higher than the Vantages, and at first I thought vantage would be more lenient because it excludes little balances that might have been defaulted on (still no defaults in nearly 8 years for me...hmm but Im wondering. I have friends with the inverse.. where their vantages are higher than their Ficos.

I wish we could call Vantage a fako. lol It still kind of is.

if anything, hope this info can be useful for anyone looking. 

Happy July 4th!!! May you receive new cards in your mailbox and credit line increases galore! 

[FicoMike0]

This is interesting. I know they use the turd 1.0 score for clis. Now it sounds like they're using another new score as well.