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FICO 10 vs FICO 8 - Large differences?

Regular Contributor

FICO 10 vs FICO 8 - Large differences?

The FICO scoring stuff continues to boggle my mind.  


FICO 8 has the following:

EQ: 667


EX: 663


FICO 10 has the following:

EQ: 626

TU: 519

EX: 538


How in the world can something be a 125 difference?  Or 140 difference?  How can scoring with similar builds be THAT different?  I just don't get it.

Starting FICO8 June 2017: EQ: 514 - EX: 491 - TU: 521 Pre-BK7
FICO8 March 2023: EQ: 703 - EX- 680 - TU: 671
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Established Contributor

Re: FICO 10 vs FICO 8 - Large differences?

My FICO10 and FICO10T are higher than my FICO8 score on all 3 CRAs. Around the same as my FICO9. 

FICO 8 (1/17/23) EX 720 EQ 717 TU 730
FICO 9 (1/17/23) EX 730 EQ 764 TU 750
CH 13 DC 1/5/21 -- I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 3/23
American Express Gold | American Express Blue Cash Everyday 6K | American Express Blue Cash Preferred 5K I American Express Marriott Bonvoy Bevy 5K I American Express Gold Delta Skymiles 6K I American Express Hilton Honors 1K | Bank of America Customized Cash Rewards Visa 15K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 10.5K | Bread Financial American Express 7K l AAA Daily Advantage Visa Signature 5K I Wells Fargo BILT World Elite MC 30K I UCLA Wescom CU Rewards Visa 7K
Message 2 of 2
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