2 Out of 3 Scores Now in 800+ Range!

[joesbrat67]

For the first time ever, I've achieved a goal that I thought would be out of reach for a period of time. I now have 2 out of 3 of my FICO scores in the 800+ range. They are, as follows: EQ- 808, TU - 801, EX - 786 It's a very good feeling to have accomplished this, given my previous credit history. I've spent the last few years trying to correct bad mistakes that I made in my youth. It appears that the wait was well worth it. Just curious though...why would there be such a gap between EX and my other scores? Is Experian just more stringent about provisioning higher scores? Thanks!

[Anonymous]

Congrats! I finally was able to break the 700 club last year. Now onto 800. 

[Anonymous]

Congrats. Nice to see hard work paying off.

Do you have recent full reports from all three CB? If so, you should be able to figure out what is responsible for the discrepancy.

[joesbrat67]

The only item is short credit history, but that's also hitting up against my others scores. Nothing else is outstanding, which is why I'm so curious.

[Thomas_Thumb]

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@joesbrat67wrote:
For the first time ever, I've achieved a goal that I thought would be out of reach for a period of time. I now have 2 out of 3 of my FICO scores in the 800+ range. They are, as follows: EQ- 808, TU - 801, EX - 786 It's a very good feeling to have accomplished this, given my previous credit history. I've spent the last few years trying to correct bad mistakes that I made in my youth. It appears that the wait was well worth it. Just curious though...why would there be such a gap between EX and my other scores? Is Experian just more stringent about provisioning higher scores? Thanks!

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Each CRA is allowed to customize the Fico 8 scoring model to a limited degree. One CRA may add emphasis to one attribute while another adds emphasis to  different factor. Which CRA shows the highest score is dependent on profile. In your case EX is the outlier but, for someone else it could be TU or EQ.

The tweaking allowed in Fico 8 is much less than the older Fico 04 and Fico 98 "mortgage" models but, more than what is allowed with Fico 9. Assuming all CRAs contain the same data it is not uncommon to have a difference in scores of up to 20 points with Classic Fico 8 and even 50 points on the older Fico Mortgage models. With Fico 9 differences in score should be minimal, say under 10 points - if data is exactly the same in all CRA reports.

As an example for mortgage Ficos: EQ Fico 04 (score 5) is quite sensitive to # cards reporting balances - TU Fico 04 and EX Fico 98 are not. EX Fico 98 looks at NPSL charge card balance/(high balance) as a factor - EQ and TU Fico mortgages do not. Below is what I experienced:

1) 6 of 6 cards reporting balances: ...EQ Fico 04 (score 5) = 764, TU Fico 04 (score 4) = 812, EX Fico 98 (score 2) = 832

2) 5 of 6 cards reporting (AMEX 100% B/HB): EQ Fico 04 = 787, TU Fico 04 (score 4) = 815, EX Fico 98 (score 2) = 830

3) 2 of 6 cards reporting balances: .. EQ Fico 04 (score 5) = 809, TU Fico 04 (score 4) = 823, EX Fico 98 (score 2) = 839

Below is some data showing score ranges of Fico 8 among the CRAs compared to Fico 9 score ranges. In 2/2016 there was 1 INQ on EQ. For all subsequent months the CRA reports were identical with zeor INQ on all three CRA files.

The Fico 9 scores are much closer together - due to added restrictions on CRA model customizing. Not sure why BC Fico 9 scores average 15 points less than BC Fico 8

Fico Model Name	Feb-16	Mar-16	Jul-16	Aug-16	Oct-16	Mar-17
EQ Bankcard Fico 09	867	877	873	873	858	876
TU Bankcard Fico 09	869	879	874	874	863	879
EX Bankcard Fico 09	873	878	879	879	862	879
Range Bankcard Fico 09	6	2	6	6	5	3
Fico Model Name	Feb-16	Mar-16	Jul-16	Aug-16	Oct-16	Mar-17
EQ Bankcard Fico 08	874	882	881	876	881	887
TU Bankcard Fico 08	880	899	881	886	873	899
EX Bankcard Fico 08	895	898	900	892	897	900
Range Bankcard Fico 08	21	17	19	16	24	13

[Anonymous]

Congratulations to you, your hard work paid off! I hit 800 on TU for exactly one day until 2 new credit lines hit my report at the same time, lol. Felt good though. Oh well, back to grind...

[Anonymous]

Congratulations!

[EW800]

Congratulations!  Great success and great scores! 

[Anonymous]

Congrats on the milestone!  Just hit my first 700 myself!  

Regarding your score, take a look at which items report to which bureaus.  MyFICO.com has a great view for this, if you subscribe.  Differences in my scores typically trace back to items that ony report to specific bureaus.  So something not reporting to EX, for instance, impacts AAoA, number of accounts, etc.  Also, account opening dates differing across bureaus could have a similar impact, but only if the differences are significant.  I have a car loan that only reported EX for a year or so, but then started reporting to other bureaus, so it shows up as an older account on EX.