FNBO free credit score now ( Experian Bankcard 9 )

[Kforce]

Just noticed that FNBO updated it's free credit score.

It is now "Experian Bankcard - 9"

[gdale6]

Ahh, yes I see that. No change in numbers for me.

[Anonymous]

For reasons I don't understand my Fico 9 Scores are lower than my Fico 8 scores. Beyond me and it has been that way since the Fico 9 score was introduced to my credit profile. Did notice that one poster has an older "oldest accounts" which may factory into it.

[Kforce]

No change for me

[SOGGIE]

+8 points for me, but I cannot say for sure that the increase is solely a result of the score version change.

[Dave4fun]

I just logged into my FNBO credit card portal FNBO (First National Bank of Omaha, dba First BankCard). They are now using the FICO 9 for their customer FICO score check as well as managing the account with it. We all know the FICO 9 score versions are typically much higher than the FICO 8 or other FICO versions. So that is good news! I have their low APR rate Platinum VISA and the M-Life Rewards cards with them. 

[K-in-Boston]

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@Dave4fun wrote:

...We all know the FICO 9 score versions are typically much higher than the FICO 8 or other FICO versions... 

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For some people, this is true, particularly if they have negative credit information that isn't factored into (or not as heavily factored into) the scoring model.  There are a number of us with clean reports that have reported substantially lower FICO 09 scores than FICO 08.  On average, I think most people have reported seeing relatively equal or only slightly higher (rather than much higher) FICO 09 scores.

[peghede]

Yeah right,that's bs ,fico 9 is not always higher than fico8..I'm down around 40 to 50 points on fico9 .I hate it.

[gdale6]

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@Dave4fun wrote:

I just logged into my FNBO credit card portal FNBO (First National Bank of Omaha, dba First BankCard). They are now using the FICO 9 for their customer FICO score check as well as managing the account with it. We all know the FICO 9 score versions are typically much higher than the FICO 8 or other FICO versions. So that is good news! I have their low APR rate Platinum VISA and the M-Life Rewards cards with them. 

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That maybe true if one has medical collections as it ignores them but overall not true at all. My numbers are nearly the same for 8 as 9 on Bankcard score.

[Gmood1]

Banckcard 9 for me is slightly higher. The standard FICO 9 scoring is substantially higher than 8 for me, 19 to 25 points on average. Files are clean.