Now Wells Fargo offer FREE FICO 9 from EX!

[Anonymous]

When I was log in into my Wells Online banking today, there is button for Check your FICO score today! Its FREE, but FICO9, not FICO8.

Love it because most lenders switching to FICO9 these days

[Anonymous]

 I just checked mine and it's 25 points lower than my Fico 8, ugh!

[Sandman771]

Yeah mine is consitently lower as well, but I read somewhere that Fico9 didn't penalize for collections once they are paid like 8 does. There has to be some more differences in the formula maybe someone can chime in. 

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@Anonymous wrote:

 I just checked mine and it's 25 points lower than my Fico 8, ugh!

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[Anonymous]

Differences between FICO9, FICO8 and Vantage scores are post #137 of this thread:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

Credit factor	VantageScore 4.0	VantageScore 3.0	FICO Score 8	FICO Score 9
Utilization rate	Very important	Very important	Very important	Very important
Historical utilization rate and payment info (trended data)	May affect your score	No impact	No impact	No impact
Collection accounts	Ignores paid collection accounts. Ignores medical collection accounts that are less than six months old. Weighs unpaid medical collection accounts less than other types of collection accounts	Ignores paid collection accounts	Ignores small-dollar “nuisance” accounts that had an original balance of less than $100. Treats  medical collection accounts, including those with a zero balance, like other collection accounts	Ignores paid collection accounts. Weighs unpaid medical collections less than other types of collection accounts
A tax lien or judgement	Are less important than before, but can still have a significant impact	Can have a significant impact	Can have a significant impact	Can have a significant impact

[Sandman771]

Thanks ABCD, so my paid collections are hurting my Fico8 but shouldn't be my Fico9 and with that being the only difference I'd think my 9 should be higher. That is what doesn't make much sense. 

[Anonymous]

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@Sandman771 wrote:

Thanks ABCD, so my paid collections are hurting my Fico8 but shouldn't be my Fico9 and with that being the only difference I'd think my 9 should be higher. That is what doesn't make much sense. 

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I have a $44.00 unpaid medical collection. Since it's ignored under Fico 9, it seems my Fico 9 would be higher. There appears to be a lot more difference in Fico 8 and Fico 9 that we don't know about.

[Anonymous]

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@Anonymous wrote:

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@Sandman771 wrote:

Thanks ABCD, so my paid collections are hurting my Fico8 but shouldn't be my Fico9 and with that being the only difference I'd think my 9 should be higher. That is what doesn't make much sense. 

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I have a $44.00 unpaid medical collection. Since it's ignored under Fico 9, it seems my Fico 9 would be higher. There appears to be a lot more difference in Fico 8 and Fico 9 that we don't know about.

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I just re-read  and unpaid medical aren't ignored under Fico 9 but weighed less.

[Anonymous]

Thanks ABCD. Nice comparison! Love it

[Anonymous]

Was that FICO score available to the OP because he had a credit account?  I was just speaking to a source inside Wells Fargo tonight and he said that WF will be offering FICO scores to people who only having savings/checking.  (Previously you needed a credit account.)  It would be pleasant to see that this has already started.

[Anonymous]

At first glance I thought the thread title said EQ, not EX.  I'm all about finding new sources that provide a free FICO score that uses EQ data...