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Can anyone share ALL of their FICO scores?

Contributor

Re: Can anyone share ALL of their FICO scores?

Here's a case studySmiley Wink

 

My scores on 6/8/18 after steady scores for a while and before my mortage re-fi and new CC. 

* Open - 8 revolvers, 1 retail, 1Mtg, 1 Auto | Closed 4 (5 on EQ)

*Accounts with balance 3 (mtg-21% pd, auto - 42% pd, 1 CC - $149/$9500 / $149/$78,150). 

*Derogs - 3 accounts with 30 days days set to expire 2/2019 and one on 12/2019. 

*AoOA 22y3m, AAoA 12y4m, AoYA 1y8m.

*Inquiries - 1  EQ, 9/2016, 2 TU 9/2016, 2 EX 9/2016, 1/2018

 

FICO 8 - EQ  817, TU 790  , EX 810 .

Bancard 8 - EQ 840, TU 818, EX 839 

Bankcard 5,4,2 - EQ  792, TU 807, EX 811 

Bankcard 9 - EQ 852 , TU 837, EX  827

Auto 8 - EQ  837, TU 821, EX 840

Auto 5,4,2 - EQ 787 , TU 826, EX 824

Auto 9 - EQ  866, TU  846, EX  836

MTG - EQ  766, TU 770, EX 786  

FICO 9 - EQ  842, TU 828 , EX  819

 

Next report 10/9/18.  Only change is # of accts - 2 new accts  MTG & CC, 1 closed acct - old MTG, age of accts, UTL (2 CC reporting but still 1% individual and agr), 9/2016 inquiries fell off + new MTG inquiry on all and CC inquiry on EX only leaving EQ - 1, TU - 1, EX - 3 and auto 54% pd.

 

FICO 8 - EQ  794, TU 782, EX 795

Bancard 8 - EQ 815, TU 805, EX 816

Bankcard 5,4,2 - EQ 794, TU 776, EX 766

Bankcard 9 - EQ 833, TU 828, EX 818

Auto 8 - EQ  812, TU 806, EX 814

Auto 5,4,2 - EQ 790, TU 799, EX 776 

Auto 9 - EQ  838, TU  834, EX  815

MTG - EQ  772, TU  759, EX 747

FICO 9 - EQ  822, TU 820, EX  806

 

 

 

 


FICO 8 as of 12/05/18 :
EQ-798 | TU-791 | EX-795
FICO 9 as of 10/09/18:
EQ-822 | TU-820 | EX-806
Message 11 of 55
Frequent Contributor

Re: Can anyone share ALL of their FICO scores?

Trudy,

 

In your first column, you have an EQ FICO 8 classic score of 870.

 

FICO 8 - EQ  870, TU 790  , EX 810

FICO 8
Message 12 of 55
Contributor

Re: Can anyone share ALL of their FICO scores?

Yep, wrong.  corrected to 817.  Thanks.


FICO 8 as of 12/05/18 :
EQ-798 | TU-791 | EX-795
FICO 9 as of 10/09/18:
EQ-822 | TU-820 | EX-806
Message 13 of 55
Super Contributor

Re: Can anyone share ALL of their FICO scores?


@Thomas_Thumb wrote:

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).

 


As a generalization, I'm sure that's true... but, it's worth noting that the data provided by Medic and HO in this thread oppose the generalization.  Medic has FICO 8 scores around 750 (within that 620-760 range) but his mortgage scores seem to be 50-70 points or so behind.  Conversely, you've got HO with FICO 8 scores all about 800 with mortgage scores right along side them.

Message 14 of 55
Super Contributor

Re: Can anyone share ALL of their FICO scores?


@Overmedicated wrote:

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.


Good to know.  I know that it was $30 for the all-scores option, but wasn't sure exactly what it was as I've never looked into it.  I appreciate the heads up!

Message 15 of 55
Valued Contributor

Re: Can anyone share ALL of their FICO scores?


@BrutalBodyShots wrote:

@Thomas_Thumb wrote:

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).

 


As a generalization, I'm sure that's true... but, it's worth noting that the data provided by Medic and HO in this thread oppose the generalization.  Medic has FICO 8 scores around 750 (within that 620-760 range) but his mortgage scores seem to be 50-70 points or so behind.  Conversely, you've got HO with FICO 8 scores all about 800 with mortgage scores right along side them.


Well of course that is to be expected and this specific observation was noted and discussed in other threads a couple years back. Treatment of small dollar collections, open installment loans, new accounts, # cards with balances, medical collections and AU cards all appear to be weighed differently between mortgage Ficos and Fico 8. Given 4 derog scorecards for Fico 8 and 2 for Fico mortgage, negatives in general will impact score differently between the models.

 

@BrutalBodyShots wrote:

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.

 

The point is Fico 8 scores generally run a bit higher but only at the upper range. The reason for running higher is primarily because of the lower maximum achievable mortgage scores.  The skew associated with mortgage score limits really becomes apparent when Fico 8 scores reach 830 (95% percentile).

 

Fico 8 scores do not generally run higher in the mid and lower score ranges as shown by Experian and TransUnion data that includes tens of millions of observations. In the middle score range it is just as likely mortgage score will be higher as it is Fico 8 will be higher. Typically the scores are not the same - they just average out to about the same value overall in the mid range. [This is by Fico design]

 

EX Fico score graph.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 16 of 55
Valued Contributor

Re: Can anyone share ALL of their FICO scores?

Sharing my most recent scores:

 

TU

FICO Score 8 -- 803

FICO Score 4 -- 802

FICO Auto Score 8  - 829

FICO Auto Score 4 -- 857

FICO Bankcard Score 8 -- 827

FICO Bankcard Score 4 -- 829

FICO Socre 9 -- 830

FICO Auto Score 9 -- 848

FICO Bankcard Score 9 -- 839

 

Experian

FICO Score 8 -- 813

FICO Score 2 -- 793

FICO Auto Score 8 -- 830

FICO Auto Score 2 -- 818

FICO Bankcard 8 -- 823

FICO Bankcard Score 3 -- 774

FICO Bankcard Score 2 -- 815

FICO Score 9 -- 825

FICO Auto Score 9 -- 842

FICO Bankcard Score 9 -- 837

 

Equifax

FICO Score 8 -- 774

FICO Score 5 -- 752

FICO Auto Score 8 -- 790

FICO Auto Score 5 -- 770

FICO Bankcard Score 8 -- 793

FICO Bankcard Score 5 -- 770

FICO Score 9 -- 850  (Happy Dance when I saw this!)

FICO Auto Score 9 -- 856

FICO Bankcard Score 9 -- 849

 

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Dec 2018: EX8: 817; EQ8: 776; TU8: 803;
In My Wallet: Discover $73.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Citi Costco $13.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $12K; Citi TY Pref $18K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $251K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 17 of 55
Valued Contributor

Re: Can anyone share ALL of their FICO scores?


@EW800 wrote:

Sharing my most recent scores:

 

TU

FICO Score 8 -- 803

FICO Score 4 -- 802

FICO Socre 9 -- 830

Experian

FICO Score 8 -- 813

FICO Score 2 -- 793

FICO Score 9 -- 825

Equifax

FICO Score 8 -- 774

FICO Score 5 -- 752

FICO Score 9 -- 850  (Happy Dance when I saw this!)

 


Interesting. Looking at your EQ Fico 9 score compared to EQ Fico 8 and EX Fico 04 suggests a paid collection over $100 might be in play on.

Can you provide some additional information to help explain the score shift. Also, do you have an aged 30 or 60 day late in the mix on EX and TU?

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 18 of 55
Frequent Contributor

Re: Can anyone share ALL of their FICO scores?

Equifax

Fico Score 8 - 671

Fico Score 5 - 663

Fico Auto Score 8 - 674

Fico Auto Score 5 - 667

Fico Bankcard Score 8 - 647

Fico Bankcard Score 5 - 662

Fico Score 9 - 663

Fico Auto Score 9 - 661

Fico Bankcard Score 9 - 660

 

Transunion

Fico Score 8 - 690

Fico Score 4 - 679

Fico Auto Score 8 - 707

Fico Auto Score 4 - 681

Fico Bankcard Score 8 - 686

Fico Bankcard Score 4 - 660

Fico Score 9 - 674

Fico Auto Score 9 - 674

Fico Bankcard Score 9 - 673

 

Experian

Fico Score 8 - 663

Fico Score 2 - 653

Fico Auto Score 8 - 657

Fico Auto Score 2 - 653

Fico Bankcard Score 8 - 649

Fico Bankcard Score 3 - 627

Fico Bankcard Score 2 - 635

Fico Score 9 - 669

Fico Auto Score 9 - 661

Fico Bankcard Score 9 - 663


These scores are with a utilization of 63%, two unreported cards I've just opened, and 1-30 day from oct 2015. I've brought the utilization down to 18% and opened two cards that will add 8300$ in additional credit. I will come and edit my post once the dust has settled from the new activity

FICOs: EQ - 714 / TU - 721 / EX - 717
Garden: 11/1/18 / 19%
Profile: Aaoa - 4.6y / Aooa - 13y / Aoya - 1m
Wallet:
"An investment in knowledge pays the best interest." - BF
Message 19 of 55
Valued Member

Re: Can anyone share ALL of their FICO scores?

My scores from 11/13/18

 

TU

FICO Score 8 -- 801

FICO Score 4 -- 802

FICO Auto Score 8  -- 804 

FICO Auto Score 4 -- 790

FICO Bankcard Score 8 -- 825

FICO Bankcard Score 4 -- 834

FICO Score 9 -- 809

FICO Auto Score 9 -- 827

FICO Bankcard Score 9 -- 819

 

Experian

FICO Score 8 -- 792

FICO Score 2 -- 811

FICO Auto Score 8 -- 792

FICO Auto Score 2 -- 800

FICO Bankcard 8 -- 820

FICO Bankcard Score 3 -- 796

FICO Bankcard Score 2 -- 837

FICO Score 9 -- 802

FICO Auto Score 9 -- 819

FICO Bankcard Score 9 -- 814

 

Equifax

FICO Score 8 -- 796

FICO Score 5 -- 802

FICO Auto Score 8 -- 792

FICO Auto Score 5 -- 821

FICO Bankcard Score 8 -- 819

FICO Bankcard Score 5 -- 819

FICO Score 9 -- 806

FICO Auto Score 9 -- 826

FICO Bankcard Score 9 -- 817

 

AZEO under 1.5% individual and overall utilization, 0 inquiries, 0 negatives, AAoA 6yr, AoOA 8yr 11mo, AoYA 4yr 1mo, 5 open CC and 1 closed auto loan

 

The day after these scores were pulled I had 1 inquiry on Experian for an auto loan and my EX fico 8 score has not changed according to CCT and myFICO. It should be a little while before the new loan hits my report since I am still waiting for the car to arrive at the dealership. I will try to grab at least my fico 8 scores on 12/1/18 to be able to isolate any aging from the new account.

Message 20 of 55