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FICO 8 vs 9 Scores

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credit_is_crack
Valued Contributor

FICO 8 vs 9 Scores

For those who have their FICO 8 and 9 scores what have you seen? It looks like for me personally my FICO 9 scores are stronger than FICO 8 versions. Oddly in the past (for like 2yrs straight) my FAKOs' were always higher than my FICOs', but once my FICOs' passed 740 then the results reversed..I'll never understand it but I'm welcoming the FICO 9 usage!

 

All of my F9 scores are higher than my F8's Smiley Happy (I have no idea if i've used any of the puncutaion above correctly lol)

 

Anyone else seeing the same or different?

 

Screen Shot 2017-08-27 at 10.35.55 AM.png

Message 1 of 4
3 REPLIES 3
Thomas_Thumb
Senior Contributor

Re: FICO 8 vs 9 Scores

Nice chart.

 

My Industry enhanced Fico 8 scores are almost always higher than by corresponding Fico 9 scores.No difference in Classic Fico scores. Differences between how Fico 8 and Fico 9 look at scoring factors have been discussed in other threads.

F08 - F09.jpg

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 2 of 4
SouthJamaica
Mega Contributor

Re: FICO 8 vs 9 Scores


@credit_is_crack wrote:

For those who have their FICO 8 and 9 scores what have you seen? It looks like for me personally my FICO 9 scores are stronger than FICO 8 versions. Oddly in the past (for like 2yrs straight) my FAKOs' were always higher than my FICOs', but once my FICOs' passed 740 then the results reversed..I'll never understand it but I'm welcoming the FICO 9 usage!

 

All of my F9 scores are higher than my F8's Smiley Happy (I have no idea if i've used any of the puncutaion above correctly lol)

 

Anyone else seeing the same or different?

 

Screen Shot 2017-08-27 at 10.35.55 AM.png


My FICO 9's are almost always significantly higher than my FICO 8's. My profile usually has low revolving utiliation -- 0 to 3%

 

After letting my revolving utilization jump, I pulled a report, and the result was quite different, with 2 of the scores higher in 8 than 9.

 

From this I'm thinking that possibly FICO 9 is more sensitive to revolving utilization factors such as number of cards reporting balance, individual card utilization, and overall utilization.

 

I'm hoping to get my utilization back down to its normal range within the next few weeks, and will be curious to see if FICO 9 leaps ahead to its usual place.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

Message 3 of 4
AverageJoesCredit
Legendary Contributor

Re: FICO 8 vs 9 Scores

My 9 is higher in only because it comes after 8Smiley Happy
Message 4 of 4
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