Re: FICO 10 vs FICO 8 - Large differences? - myFICO® Forums

C_DUBYA · ‎01-08-2023

The FICO scoring stuff continues to boggle my mind.

FICO 8 has the following:

EQ: 667

TU:651

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
Current
FICO8 Feb 2025: EQ: 681 - EX- 675 - TU: 666

Biggest current issue: High Utilization 70%

Jeffster1 · ‎01-08-2023

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

FICO 8 EX 829 EQ 824 TU 844
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 25 K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU CashRewards Visa 20K I America First CU Cash Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 20K I Bread Financial American Express 13K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I

FICO 10 vs FICO 8 - Large differences?

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FICO 10 vs FICO 8 - Large differences?

Re: FICO 10 vs FICO 8 - Large differences?

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