FICO 09 score available

[CreditCuriosity]

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@Anonymous wrote:

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@Hokies2379 wrote:

It is insanely different for me.  100 points lower across the board.  sure hope no one starts using this soon, i'd be going back in time a year. 

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Count me in as well.  I just checked mine and it wasn't 100 points lower but it was 40-55 points lower.

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Way lower for me.. Hopefully be years until lenders start to use these scores...  My Mortgage scores and 08 scores are way higher then the 09 scores.. 

[Anonymous]

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@CreditCuriousity wrote:

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@Anonymous wrote:

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@Hokies2379 wrote:

It is insanely different for me.  100 points lower across the board.  sure hope no one starts using this soon, i'd be going back in time a year. 

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Count me in as well.  I just checked mine and it wasn't 100 points lower but it was 40-55 points lower.

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Way lower for me.. Hopefully be years until lenders start to use these scores...  My Mortgage scores and 08 scores are way higher then the 09 scores.. 

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Wonder why.  Mine are all within 10-15 points.  Would love to know more about what goes into 09 scoring.  I don't think we have to worry about it for few years though.

[CreditCuriosity]

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@Anonymous wrote:

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@CreditCuriousity wrote:

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@Anonymous wrote:

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@Hokies2379 wrote:

It is insanely different for me.  100 points lower across the board.  sure hope no one starts using this soon, i'd be going back in time a year. 

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Count me in as well.  I just checked mine and it wasn't 100 points lower but it was 40-55 points lower.

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Way lower for me.. Hopefully be years until lenders start to use these scores...  My Mortgage scores and 08 scores are way higher then the 09 scores.. 

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Wonder why.  Mine are all within 10-15 points.  Would love to know more about what goes into 09 scoring.  I don't think we have to worry about it for few years though.

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Ya agree guessing a few years at least as well...  Banks are probably now just if even starting to parallel test their current model to new model to get data and evaluate it and get the bugs / feedback to Fico is my guess..  Be interesting to find out more information on it as it starts to flush out and become more public

[Rebuilding69]

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@Anonymous wrote:

I don't care what it takes.

Please, let Fico 9 be used soon.

I bought my TU tonight. I'm a 700.  690 680 Auto.

New Scoring Model.👍👍

The new simulator is quite enjoyable as well.  I enjoy the option of "let it ride" and age your reports.  Apparently that's my best option 

Stats:

08:  680 / Auto 659 / Bankcard 683

09:  693 / Auto 681 / Bankcard 700

AAoA 1yr 7mths

Total 11yr 8mths

1 PIF Collection placed Oct 2014

1 30 day late Auto June 2014

1 60 day late Auto July 2014

1% Utl

10 Accounts currently paid as agreed

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Oh I didnt see the new sim, have to check that out

[JcT21]

except for TU, my scores dropped under the new fico 9.  i have utilization at 14%, 1 card reporting,  2 auto loans,  no collections, 1 old  bk13 that expires off my report in april.  hopefully my scores will go up after my bk falls off in 2 months.  this is kinda depressing, especially my EX score.

fico  8 scores - TU - 710 - EX - 725 - EQ - 718

fico  9 scores - TU - 710 - EX - 684 - EQ - 703

[Bankrupt2019]

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@Anonymous wrote:

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@ddemari wrote:
I don't know if anyone else has posted this, but I just ordered a new TU report and it came with FICO 09 scores. I was disappointed by FICO 09s are about 20-30 points lowers than all the 08 scores.

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Is this a free report, like the sort you get through AnnualCreditReport.com?  I had not heard of reports that included scores, unless they were from a third-party provider like myFICO, which was pulling your report and score and then presenting it to you together as a bundled package for a fee.

Where did you get this?  I'd be fascinated to see my FICO 9 scores.  I just googled Where can I see my FICO 9? and got nothing useful.

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myFICO.com reports now include FICO 9 Scores

*EDITED* Didn't realize I was replying to a response on the first page of many. My bad.

[pizza1]

Pulled mine a few days ago......

fico 08 scores....EQ-668, TU-718, EX-681

fico 09 scores....EQ-675, TU-742, EX-685

and right now Im not happy because I have 5 accts that currently show a small balance (they are new cards, and I didn't know when the 1st SM would cut, and they cut early, LOL)...

So, IF fico 09 penalizes (hypothetically), for several cards with balances, then next month if I pulled again, and Im back to my 1cc reporting like I always do, then I should see a small increase to my fico 09 scores. ??

[Anonymous]

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@JcT21 wrote:

except for TU, my scores dropped under the new fico 9.  i have utilization at 14%, 1 card reporting,  2 auto loans,  no collections, 1 old  bk13 that expires off my report in april.  hopefully my scores will go up after my bk falls off in 2 months.  this is kinda depressing, especially my EX score.

fico  8 scores - TU - 710 - EX - 725 - EQ - 718

fico  9 scores - TU - 710 - EX - 684 - EQ - 703

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Your scores will certainly go up after your BK falls off.  The BK is the only negative item, right?  No lates, liens. judgments, etc? 

Don't let this get you down, your profile is going to be changing so much in such a good way three months from now. 

BTW, you mention that you have one card reporting a balance.  How many open cards do you have total?  You also mention that you have a utilization of 14%.  You will get some extra benefit with both models by getting your util to < 8.9%.  (If you can manage it, a lower number is simplest, like 1-4%.)

You also mention that you have two auto loans.  Are either of them open loans?

[Anonymous]

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@pizza1 wrote:
I have 5 accts that currently show a small balance...

[if] next month if I pulled again, and Im back to my 1cc reporting like I always do, then I should see a small increase to my fico 09 scores. ??

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It might more than just a small increase.  A key issue will be the total number of open cards that you have now.  We know that you have five cards with a positive balance.  If you have eight cards total, then you have the majority of your cards showing a balance (62%).  If, on the other hand you have 21 cards total, then you have < 25% showing a balance right now.

The fewer open cards you have total right now, the bigger of a score bonus you may get for bringing the number showing a balance from 5 to 1.

I will throw out one other possibility that is rarely discussed on the forum.  There are some reason codes that FICO used a while back that strongly implied that FICO viewed it as worse when a new credit card had a balance than when an old card had a balance. E.g.

       Code B1 = "Amount owed on recently opened revolving accounts is too high"

       Code U4 = "Too many recently opened accounts with balances"

My guess is that FICO 8 and 9 don't care about the "recently opened" part -- maybe that was just FICO NextGen (which precedes FICO 8 by at least a few years).  But since FICO make that distinction at one time, I can't be certain that it was completely scrapped or not later reintroduced. 

If you have an important need for your scores to be really high in the next few months, then shifting your reporting balances to exactly one older card is probably the safest choice.  If you aren't about to apply for new credit, then personally I think it makes senses to use a new card and let it report each month for the first few months, just to establish a clear pattern of use and and then subsequent payment in full inside your reports.  That's just my opinion.

[JcT21]

@ CreditGuyInDixie 

bk is the only negative item.  no other baddies.

i have 13 open credit cards with 104k in total credit.

the 1 card i have reporting is my venture card which has a 32k limit.  i did some balance transfers which took me from 3k to 15k.  {edit: reasons for such a large BT was i transfered cc debt from my sons discover & barclay card because he lost his job and couldnt handle it at the time}  but i wiill have that down to around 6-8% by november.   ive been debating whether or not to spread that balance out with another card so my venture wont show over 30% usage on that card.  what do you think?

i do have 2 open auto loans.  1 with chase in which im a co-signer for my son,  and 1 for myself with td auto.    my chase is 2yrs old and my td auto was opened back in august.  ill be stuck with them for a while yet.

no personal loans or anything.  only thing i owe is capital one and my auto loans.   so im hoping for a big boost when my bk falls of in a few months.  *fingers crossed*