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Can anyone share ALL of their FICO scores?

Super Contributor

Can anyone share ALL of their FICO scores?

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.
Message 1 of 55
54 REPLIES
Valued Contributor

Re: Can anyone share ALL of their FICO scores?

FICO0.JPG

 

FICO-1.JPG

 

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FICO2.JPG

 

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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. 











Credit isn’t just a score, it’s a skill.
Message 2 of 55
Super Contributor

Re: Can anyone share ALL of their FICO scores?

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

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812

Delta Reserve and CSP Jan 2018, no more 5/24 worries... unless new Chase Marriott/SPG replacement is enticing...meh, turns out not. [unless a 100k points SPG Luxury Upgrade appears... well lookie here...]
Message 3 of 55
Community Leader
Senior Contributor

Re: Can anyone share ALL of their FICO scores?

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
Message 4 of 55
Valued Contributor

Re: Can anyone share ALL of their FICO scores?

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 NameMar-15Jul-15Dec-15Feb-16Mar-16Jul-16Aug-16Oct-16Mar-17Apr-18
EQ Classic Fico 09*********850850850850850850850
EQ Classic Fico 08850850850850850850850850850850
EQ Classic Fico 04796809809764809787809804804777
EQ Auto Fico 09*********867885878866878885870
EQ Auto Fico 08877884884874882884874884887881
EQ Auto Fico 04816827827788827808827831831807
EQ Bankcard Fico 09*********867877873858873876868
EQ Bankcard Fico 08877886886874882881876881887881
EQ Bankcard Fico 04816825826770826801825822822786
 EQ Average Fico839847847834854846848853855841
Fico Model NameMar-15Jul-15Dec-15Feb-16Mar-16Jul-16Aug-16Oct-16Mar-17Apr-18
TU Classic Fico 09*********850850850850850850850
TU Classic Fico 08850850850850850850850845850850
TU Classic Fico 04823823815812823815815823823801
TU Auto Fico 09*********871879875860866880870
TU Auto Fico 08891897897879891885877872891882
TU Auto Fico 04872872864860872864864872872837
TU Bankcard Fico 09*********869879874863865879873
TU Bankcard Fico 08899900900880899881886873899891
TU Bankcard Fico 04858858850837858850850858858812
 TU Average Fico866867863856867860857858867852
Fico Model NameMar-15Jul-15Dec-15Feb-16Mar-16Jul-16Aug-16Oct-16Mar-17Apr-18
EX Classic Fico 09*********850850850850850850850
EX Classic Fico 08850850850850850850850850850850
EX Classic Fico 04830830830811830830830830830809
EX Classic Fico 98839837837832837815817837839842
EX Auto Fico 09*********881886887863882887886
EX Auto Fico 08889889884883884894869891897895
EX Auto Fico 98858857857852857837838857858861
EX Bankcard Fico 09*********873878879862874879878
EX Bankcard Fico 08898898900895898900892897900900
EX Bankcard Fico 98870868865853862836842859864867
EX Average Fico862861860858863858851863865864

 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.

 3B comparison 2017 to 2018.jpg

...

 

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 5 of 55
Super Contributor

Re: Can anyone share ALL of their FICO scores?


@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.

Message 6 of 55
Valued Contributor

Re: Can anyone share ALL of their FICO scores?

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











Credit isn’t just a score, it’s a skill.
Message 7 of 55
Super Contributor

Re: Can anyone share ALL of their FICO scores?

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?

Message 8 of 55
Valued Contributor

Re: Can anyone share ALL of their FICO scores?

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).

 

TU Fico score comparisons.jpg

 

 

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 9 of 55
Frequent Contributor

Re: Can anyone share ALL of their FICO scores?

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.

FICO 8
Message 10 of 55