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Any Clean DPs on Share Secured Loan Impact on FICO 09 Scores?

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Aahz
Established Contributor

Any Clean DPs on Share Secured Loan Impact on FICO 09 Scores?

Over the last month (for reasons not relevant here) I've essentially moved half of my installment debt over to revolving debt.  

Installment utitlity (3 student loans) dropped from 16% to 9% while revolving utility doubled from 8% to 16%.

 

FICO 08s on 3/11/17-

EQ - 744

EX - 728

TU - 733

 

FICO 08s on 4/12/17-

EQ - 748

EX - 726

TU - 731

 

So, essentially unchanged, because the bump from dropping installment below 10% counteracted the doubling of revolving utility (including cards at 35%, 63% & 87%).  But my FICO 09 scores didn't seem to receive the installment bump.

 

FICO 09s on 3/11/17-

EQ - 743

EX - 729

TU - 741

 

FICO 09s on 3/11/17-

EQ - 730

EX - 706

TU - 725

 

Clearly FICO 09 weights installment & revolving much different than FICO 08.  Which leads to the question in the title: Are there any clean Data Points on a Share Secured Loan's impact on FICO 09 scores?

 

Interestingly, my VS3 scores absolutely tanked - EQ 732 to 631 & TU 720 to 625.

 

 

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