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 March 2026: EQ: 696 - EX- 679 - TU: 683

Current challenge: Utilization 51% - Paydown in progress

Jeffster1 · ‎01-08-2023

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

0% utilization
FICO 8 EX 839 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo Autograph Visa 30K I BMO Harris Cash Back MC 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 15K I Citi Thank You MC 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney MC 10K I Synchrony Premier MC 10K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back MC 20K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K I USAA Cash Rewards Plus American Express 4K I Apple Card 6K

FICO 10 vs FICO 8 - Large differences?

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FICO 10 vs FICO 8 - Large differences?

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