Do All Scores Change When Fico 8's Do?

[Anonymous]

Question, when my fico 8 scores change, whether it's an increase or decrease, do all my other scores change as well? Such as auto scores, other fico scores? My EQ just went up 57pts to a 712 but not sure about others due to no update. I want to apply with DCU but the fico 5 is and has been a 636, hoping that that went up too. Thanks

[Anonymous]

The short answer is no. 

Suppose you paid $60 every Monday for a brand new full myFICO report with all the scores.  You might find that, next Monday.......

*  Your FICO 8 Equifax did not change at all, but your FICO EQ mortgage score plunged 80 points.  (Why?  Well it could be that an unpaid collection appear on your report for $80.  FICO 8 ignores those but for the mortgage model it was a huge deal.)

*  Your FICO 8 Equifax plunged a lot because you made your last payment on your auto loan (no other installment loan).  FICO Equifax mortgage wouldn't care, however, and it it doesn't budge at all.

We can help you if you tell us what your situation is now and where you'd like to be 1 year from now and 3 years from now.  Is buying a house or a car in there somewhere?

[Anonymous]

When one of your FICO scores changes, it's because a piece of your profile data changed.  If that same piece of criteria also impacts scoring on a different model, your score for that model can change as well.  If the profile change doesn't impact scoring on a different model, that score won't change.  CGID provides a few good examples above of situations where a score may not change.