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FICO 8 vs. FICO 4?

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Thomas_Thumb
Senior Contributor

Re: FICO 8 vs. FICO 4?


@Anonymous wrote:

Ah yes, previously my untilization was at 28%, paid them down to 14%


Good work!

 

Fico 4 and Fico 8 scores both use aggregate utilization as a primary factor in scoring. So, in this situation, your Fico 4 score would be expected to increase as well. If you can drop utilization to under 10%, I think you would see another bump up (if no other changes).

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
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