@crystal626 wrote:I logged on DCU to check my FICO score and I noticed that it is at 803. This is a crazy jump from 762 in March and would make this FICO score higher than any of my 8s as well as my EX9, none of which are in the 800s right now.
This used to be an EQ5. It will be a big bummer if we just lost a free mortgage score source as between Experian trials and DCU you would always know your mid-score is at least the lower of those two scores without spending a dime.
My reason codes shifted from time since most recent account opening is too short and number of bank/national revolving accounts with balances to time since most recent account opening is too short and too many consumer finance company accounts as well.
I'm curious what score they're using now. It seems very unlikely that my EQ5 would ever be 16 points higher than my FICO 8s. I pulled my three scores from Experian with a trial today and I'm at 787 for EQ, 782 for TU, and 760 for EX. My EX9 according to Wells Fargo is 777 so I would be surprised if this score is EQ9 unless EX9 is a LOT more punishing on inquiries than EX8 is.
mine hasn't changed, did you go to 0/12? (not that this would be a good reason, if you did go 0/12, you'd surely head back over 800 for FICO 8's as well)
@GZG wrote:
@crystal626 wrote:I logged on DCU to check my FICO score and I noticed that it is at 803. This is a crazy jump from 762 in March and would make this FICO score higher than any of my 8s as well as my EX9, none of which are in the 800s right now.
This used to be an EQ5. It will be a big bummer if we just lost a free mortgage score source as between Experian trials and DCU you would always know your mid-score is at least the lower of those two scores without spending a dime.
My reason codes shifted from time since most recent account opening is too short and number of bank/national revolving accounts with balances to time since most recent account opening is too short and too many consumer finance company accounts as well.
I'm curious what score they're using now. It seems very unlikely that my EQ5 would ever be 16 points higher than my FICO 8s. I pulled my three scores from Experian with a trial today and I'm at 787 for EQ, 782 for TU, and 760 for EX. My EX9 according to Wells Fargo is 777 so I would be surprised if this score is EQ9 unless EX9 is a LOT more punishing on inquiries than EX8 is.
mine hasn't changed, did you go to 0/12? (not that this would be a good reason, if you did go 0/12, you'd surely head back over 800 for FICO 8's as well)
I did not go to 0/12. There is no good explanation for this change that I can see.
My EX2 is still showing 763 as well. I wouldn't think there would be that large of a discrepancy between 2 and 5.