Can anyone share ALL of their FICO scores?

[Anonymous]

I've never paid for the one time report or whatever it is through MF where you get to see the many different FICO score versions... 25, 50, whatever, but it's something I'm considering since my profile has basically topped out and stabilized. I was hoping several people that have gone this route would be willing to list out all of their FICO scores provided.

I think it would be cool to see the scores relative to one another, possibly allowing us to draw some conclusions regarding the weight of some scoring factors. Along with your scores it would be necessary to provide some of your profile data as well in order to get a feel for what the algorithm is considering. Thanks in advance to anyone that takes the time to contribute.

[Medic981]

Current EQ FICO Score 8 - 746 as of Nov 18, 2018
EQ FICO Scores as of Oct 20, 2018
FICO Score 8 - 740
FICO Score 5 - 692 COMMONLY USED IN MORTGAGE LENDING
FICO Auto Score 8 - 727
FICO Auto Score 5 - 702
FICO Bankcard Score 8 - 739
FICO Bankcard Score 5 - 703
FICO Score 9 - 752
FICO Auto Score 9 - 758
FICO Bankcard Score 9 - 760

Current TU FICO Score 8 - 751 as of Nov 18, 2018
TU FICO Scores as of Oct 20, 2018
FICO Score 8 - 752
FICO Score 4 - 676  COMMONLY USED IN MORTGAGE LENDING
FICO Auto Score 8 - 759
FICO Auto Score 4 - 684
FICO Bankcard Score 8 - 765
FICO Bankcard Score 4 - 690
FICO Score 9 - 744
FICO Auto Score 9 - 757
FICO Bankcard Score 9 - 753

Current EX FICO Score 8 - 751 as of Nov 18, 2018
TU FICO Scores as of Oct 20, 2018
FICO Score 8 - 747
FICO Score 2 - 700 COMMONLY USED IN MORTGAGE LENDING
FICO Auto Score 8 - 740
FICO Auto Score 2 - 701
FICO Bankcard Score 8 - 752
FICO Bankcard Score 3 - 695
FICO Bankcard Score 2 - 680
FICO Score 9 - 732
FICO Auto Score 9 - 737
FICO Bankcard Score 9 - 741

Something odd that I noticed looking at my full FICO report is my reported risk rate or the chances of me getting into serious credit trouble such as a 90-day late, charge-off or bankruptcy. Using FICO 8 scores EQ 746 and EX 751 have me at a 5% risk rate but TU 751 has me at a 2% risk rate. 

[NRB525]

Hi BBS;

I guess I am wondering why you think you are saving money by not getting the MyFICO score set? You spend a lot of time researching and discussing score factors, yet without the entire set of scores for your own file, it seems to me you have a big gap in your available information to understand all the various FICO scores. With this request, you want to get other's score sets to try to draw conclusions.

My suggestion is to subscribe for a month or two to get the score set, and dig through the details there. You will get a much better perspective, and be able to draw conclusions because you know more details about your own situation.

Cheers

[HeavenOhio]

Scores below were pulled on November 12th. Due to inquiries becoming unscorable, TU8 and EX8 are now three points higher than they were at that time, and EQ has likely risen too. But for the sake of comparing apples to apples, I'm not adjusting those in the list below.

I have a glitch in that I have a duplicate account reporting that should be removed. No luck on that so far. But for the purposes of this thread, that shouldn't matter.

I'm going to be eligible to pull another 3B soon. That should cover the unscorable inquiries. But it might not be a clean comparison. I may have one card instead of two reporting a positive balance. Or I might have an unusually large balance on that card. It's a low-limit card, currently with a negative balance to free up a little extra room for a furniture purchase. So what happens depends on whether or not I buy the furniture by the time the statement closes on Monday.

Classic:

• EQ 8: 805
• TU 8: 808
• EX 8: 801

• EQ 5: 802 (mortgage)
• TU 4: 796 (mortgage)
• EX 2: 809 (mortgage)

• EQ 9: 832
• TU 9: 816
• EX 9: 812

Auto:

• EQ 8: 774
• TU 8: 813
• EX 8: 782

• EQ 5: 821
• TU 4: 783
• EX 2: 793

• EQ 9: 844
• TU 9: 820
• EX 9: 822

Bankcard:

• EQ 8: 815
• TU 8: 819
• EX 8: 812

• EQ 5: 809
• TU 4: 829
• EX 2: 828
• EX 3: 808

• EQ 9: 843
• TU 9: 825
• EX 9: 820

[Thomas_Thumb]

Posted previously in another thread. 3 of 5 cards reported balances (4 of 6 if AU card included). Link provided below.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Our-Forums-FICO-High-Achievers-Who-has-a...

Here is an overall summary - multiple 3B reports:

Fico Model Name	Mar-15	Jul-15	Dec-15	Feb-16	Mar-16	Jul-16	Aug-16	Oct-16	Mar-17	Apr-18
EQ Classic Fico 09	***	***	***	850	850	850	850	850	850	850
EQ Classic Fico 08	850	850	850	850	850	850	850	850	850	850
EQ Classic Fico 04	796	809	809	764	809	787	809	804	804	777
EQ Auto Fico 09	***	***	***	867	885	878	866	878	885	870
EQ Auto Fico 08	877	884	884	874	882	884	874	884	887	881
EQ Auto Fico 04	816	827	827	788	827	808	827	831	831	807
EQ Bankcard Fico 09	***	***	***	867	877	873	858	873	876	868
EQ Bankcard Fico 08	877	886	886	874	882	881	876	881	887	881
EQ Bankcard Fico 04	816	825	826	770	826	801	825	822	822	786
EQ Average Fico	839	847	847	834	854	846	848	853	855	841
Fico Model Name	Mar-15	Jul-15	Dec-15	Feb-16	Mar-16	Jul-16	Aug-16	Oct-16	Mar-17	Apr-18
TU Classic Fico 09	***	***	***	850	850	850	850	850	850	850
TU Classic Fico 08	850	850	850	850	850	850	850	845	850	850
TU Classic Fico 04	823	823	815	812	823	815	815	823	823	801
TU Auto Fico 09	***	***	***	871	879	875	860	866	880	870
TU Auto Fico 08	891	897	897	879	891	885	877	872	891	882
TU Auto Fico 04	872	872	864	860	872	864	864	872	872	837
TU Bankcard Fico 09	***	***	***	869	879	874	863	865	879	873
TU Bankcard Fico 08	899	900	900	880	899	881	886	873	899	891
TU Bankcard Fico 04	858	858	850	837	858	850	850	858	858	812
TU Average Fico	866	867	863	856	867	860	857	858	867	852
Fico Model Name	Mar-15	Jul-15	Dec-15	Feb-16	Mar-16	Jul-16	Aug-16	Oct-16	Mar-17	Apr-18
EX Classic Fico 09	***	***	***	850	850	850	850	850	850	850
EX Classic Fico 08	850	850	850	850	850	850	850	850	850	850
EX Classic Fico 04	830	830	830	811	830	830	830	830	830	809
EX Classic Fico 98	839	837	837	832	837	815	817	837	839	842
EX Auto Fico 09	***	***	***	881	886	887	863	882	887	886
EX Auto Fico 08	889	889	884	883	884	894	869	891	897	895
EX Auto Fico 98	858	857	857	852	857	837	838	857	858	861
EX Bankcard Fico 09	***	***	***	873	878	879	862	874	879	878
EX Bankcard Fico 08	898	898	900	895	898	900	892	897	900	900
EX Bankcard Fico 98	870	868	865	853	862	836	842	859	864	867
EX Average Fico	862	861	860	858	863	858	851	863	865	864

 Feb-16 - All 6 cards reporting balances. INQ (EQ=1, TU=0, EX=0)

Jul-16 - AMEX charge B/HB = 100%. INQ (EQ=0, TU=0, EX=0)

Aug 16 - AMEX B/HB = 100%. No revolvers reporting balances (AU card not counted in Fico 8, Fico 9). INQ (EQ=0, TU=0, EX=0)

Apr-18 - 5 of 6 cards reporting balances. AU card utilization at 16.4% (hurting Fico 04 model scores). INQ (EQ=1, TU=1, EX=0)

There is some insight that can be gained for various model behaviors relative to one another when comparing 3B reports. Below is one such comparison looking at reports side by side. Conclusions from this comparison (supported by other comparisons in the past) were:

1) Increasing # cards reporting has no negative impact on Experian Fico scores for any model (Classic 8, Classic 98, Bankcard 8 & Bankcard 98)

2) Increasing # cards reporting has a mild impact on EQ and TU Bankcard Fico 8 (likely EQ and TU Classic Fico 8 as well but masked by buffer).

3) Increasing # cards reporting has a substantial impact on both EQ and TU Classic Fico 04 and Bankcard Fico 04 scores.

4) For my profile Classic and Bankcard scores change in lock step (considering buffer).

5) The presence of an inquiry significantly increases sensitivity of TU Fico 04 to # cards reporting. In the years prior to the TU inquiry my TU Fico scores showed little movement when 5 cards reported balances.

 

...

[Anonymous]

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@NRB525 wrote:

Hi BBS;

I guess I am wondering why you think you are saving money by not getting the MyFICO score set? 

---

I think you've misinterpreted the purpose of my post.  This has nothing to do with trying to "save money" - I thought I was pretty clear in my original post that I'm looking to grab all of the scores myself for the first time.  As I said originally, my profile has finally plateaued; I'm not expecting any changes to my report for the next year or two outside of the obvious age factors, which is why I haven't grabbed all of my scores in the past.  I'm looking for others to post all of their scores, as it allows everyone (not just me) to draw conclusions about how the different models may handle different profile data with respect to scoring.  

Big thanks to Medic, HO & TT thus far for contributing.

[Medic981]

If you need further data points from me, just let me know.

[Anonymous]

One thing I've noticed is that mortgage scores generally speaking seem to run a bit (and sometimes a good bit) lower than Classic 8 scores, although I have not looked at all that many direct comparisons.  The data provided by Medic and TT above seems to go along with this.  HO however, I'm very surprised to see that your mortgage scores are right in line with your Classic 8's, with your EQ mortgage score actually being higher than your EQ Classic 8.  In your opinion, is there something in your profile that you attribute this somewhat abnormality to?

[Thomas_Thumb]

In general, the skew comes toward higher Fico 8 scores occurs at the top end of the score range do to mortgage scores being limited to 818/839/844 for EQ/TU/EX, respectively.

Percentile tables show no significant difference between Classic Fico 8 and Classic Fico "mortgage" in the mid score range (say 620 to 760).

[Anonymous]

BBS...... I wasn't sure if you are aware but don't get the one time reports($60) or the monthly($40) either.  Sign up for the quarterly($30) then cancel.  Resign up each month for the quarterly.  Obviously you'll save at least $30 from not getting the one time reports, and save $10 each month by signing up for the quarterly/cancel method and still have all of your scores updated each month.