BIG Different from FICO 5 to Fico 8

ltorres25 · ‎03-13-2015

Why is there a 37 point! difference from my FICO 5 Mortgage score and my FICO 8 Score? I know they are different algorithims but 37 points! What would be the cause fo this? My Experian FICO 8 is 699 but the FICO 5 is only 662.

Citi Thank You Premier World Elite MasterCard

Capital One Quicksilver World MasterCard

Momof5 · ‎03-13-2015

I would definitely say it is based on your profile. My fico is 686 but my mortgage FICO5 is 599....87 point difference! Of course, I had to let my mortgage slide during a period of unemployment. I have all the way to 120 lates before catching up and there are now 25 lates on my mortgage. I am SURE that is why my mortgage score is so low.

Do you have lates on a mortgage?

Starting Score: 472
Current Score: EQ:703 TU: 729 EX:737
Goal Score: 750

Take the myFICO Fitness Challenge

tonyjones · ‎03-13-2015

More than likely you have a short AAoA and/or no Installment Loans.

Current Fico Scores: (November 2025)

Anonymous · ‎03-13-2015

Mine is the opposite. My EQ score was 658 but my fico5 mortgage score is 686. Ex score is 676 but mortgage score is 701. I "think" for mine, it is a difference of a small medical collection $150) that is holding my fico 8 score back but the mortgage scoring system ignore small collections?

I quit trying to figure out all the changes and differences. I have worked hard to rebuild and when I lost 28 points for paying down 2 credit card balances (leaving a 3rd), I knew the fico system would never make sense lol I am reminded of the old show "Lost in Space" where the robot, while waving its arms around, tells Will "It does not compute, It does not compute". That one sentences sums fico up!!

The only time I am going to watch it like a hawk is the month before we apply for a mortgage until we close. Everything after that, won't matter for me.

ltorres25 · ‎03-15-2015

That is a crazy difference between your scores. At least you have some logical reasons as to why. I've never had a mortgage so no, no lates on a mortgage lol.

ltorres25 · ‎03-15-2015

Yes, I do have a short AAoA, I have 2 installment loans (Auto Loans), one of those two loans is completely paid off with no lates. I have no late payments on any of my accounts in my credit report. I also have a $102 paid collection from 2010. So most likely it's because of the low AAoA?

Anonymous · ‎05-05-2015

mimsof4 wow what did you do to get it to climb so high?