Any data points on F10T utilization "trend" impacting scoring?

[BrutalBodyShots]

I'm curious if any testing has been done / there are any data points out there on how increasing utilization over time (the "trend" in data) bodes problematic for F10T where it doesn't impact the earlier versions beyond just normal utilization/threshold points. @Thomas_Thumb I figure if anyone has come across data on this, it has probably been you.

What I'm looking for would be a comparison of the same event and its impact on F10T verses F8. The comparison would go something like this:

Someone is at organically reported utilization (pays statement balances in full monthly) and tends to land at aggregate utilization percentages in a range of (say) 15%-25%. I'm picking a range that doesn't cross any utilization threshold points. Their Experian FICO 8 score we'll say is 800 just for the purposes of conversation. While unlikely, we'll say their Experian FICO 10T score is also 800 just for simplification purposes. Since their 15%-25% utilization remains steady over ~24 months, F10T sees no upward "trend" and therefore it doesn't bode problematic for scoring.

Now, let's say this same profile increases utilization to 55%-65% where it stays for a period of months. Perhaps their EX F8 score drops from 800 to 760 with the change. My question is how much more would EX F10T drop when considering that upward "trend?" From my understanding "standard" utilization is still King when it comes to F10T, with the TD simply being supplemental (less impactful). I therefore wouldn't expect a drop to 720, but I really don't know. Maybe 740? I'd like to have the privilige of speculating less and actually seeing some data points on this subject.

If anyone has any data points or insight to share, that would be absolutely fantastic.

[FicoMike0]

An interesting question. I've never even seen a f10t score, where do you get one?

[crystal626]

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@FicoMike0 wrote:

An interesting question. I've never even seen a f10t score, where do you get one?

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The myFICO subscription is the only one I'm aware of to get all of the 10s and 10Ts at the moment.

[800wannabe420]

USAA furnishes an Experian 10T score. 

[BrutalBodyShots]

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@FicoMike0 wrote:

An interesting question. I've never even seen a f10t score, where do you get one?

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I've only ever gotten them through a 40-score pull here on MF. I know USAA accounts are provided with one now though as well.

[Thomas_Thumb]

I have not seen and robust live data studies on controlled aggregate utilization comparing F8 to F10T score over time. If someone were to do one using monthly 3B reports; F10 should be included in the mix. Meaningful data would require atleast 6 months of monthly scores with aggregate utilization rising a few percentage points monthly (say 3%-6%) - imo.

Example: 3%, 8%, 13%, 18%, 23%, 28% and 33%. Graph monthly F8, F10 and F10T scores by month. Incremental changes in utilization can fluctuate but should trend upward every month.

[BrutalBodyShots]

Right on. That's precisely something I'd like to see. I'd figure a handful of people on this forum that have the paid plan where they get their 40 FICO scores all the time would have done some looking into how F10T tracks relative to other scores like 8. Oh well. Hopefully in time someone comes along and sees this thread that can offer some personal insight/data.

[Zoostation1]

@BrutalBodyShots I've been doing the full 40 scores for 4yrs now, and while I have all my data in a spreadsheet, I don't have a lot of trends I can follow when looking at the scores.  The few things I can point out are:

•  for the last 2+yrs EX has been consistently the lowest 10T score.  It has been 10pts or lower than both EQ and TU for the last 21 months (even when TU had a 1 HP and EX had none). 
• EX also reacted more harshly when simultaneously my 6th card startedshowing on my reports and I went up to 4/6 reporting for a month.  
• For about 2.5yrs EQ10T and TU10T have been higher than their respective FICO 8 scores, EX10T higher than EX8has been for about 20mo

I can chart out the data at somepoint, but in some cases mine is muddied by continued profile growth .  I had 2 cards with a TCL of $2.4k when I started pulling reports monthly vs the 7 and $85.7k now.  The only constant in my profile is being revolver only.  Next 3B will be available in a few hrs. 

[AndySoCal]

Few data points

Credit Utilization 1 to 3 %

Two new accounts one in July 2025 TUC Inquiry and New account. The second new account in late December Equifax inquiry and new account. This new account is not reflected in the December scores.

FICO  8           Equifax.        Trans Union.      Experian

12/2025.          807.                 800.                      805

04/2026.         805.                795.                        808

FICO 10T

  12/2025.         825.                 822.                       835

04/2026.         814.                   831.                        840

All my open credit card accounts with the date open are in my siggy below. Also no installment loans.

I do not have MYFICO subscription  so I am pulling the reports about every 3 to 4 months.

Hope this helps

[TrapLine]

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@AndySoCal wrote:

Few data points

Credit Utilization 1 to 3 %

Two new accounts one in July 2025 TUC Inquiry and New account. The second new account in late December Equifax inquiry and new account. This new account is not reflected in the December scores.

FICO  8           Equifax.        Trans Union.      Experian

12/2025.          807.                 800.                      805

04/2026.         805.                795.                        808

FICO 10T

  12/2025.         825.                 822.                       835

04/2026.         814.                   831.                        840

All my open credit card accounts with the date open are in my siggy below. Also no installment loans.

I do not have MYFICO subscription  so I am pulling the reports about every 3 to 4 months.

Hope this helps

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Wow! Your Fico 10Ts are higher.