FICO 4 vs FICO 8 drop w/1 more reported balance

[Anonymous]

TU bureau data used here and the scores were generated 1 day apart from one another with identical data near as I can tell.  This was going from 1 of 7 revolvers with a reported balance to 2 of 7 revolvers with a reported balance.

FICO 8 only dropped 2 points.

FICO 4 dropped 15 points.

We already knew that the mortgage models are more sensitive to number of cards/accounts with balances, but this quantification of that thought is pretty solid.

Utilization wise, it's worth noting that with 1 card reporting I was at 1% utilization on that card as well as 1% aggregate utilization.  The second card that reported was at 21% utilization and brought aggregate utilization up to 4%.

[Anonymous]

Can you remind us how many loans you have, BBS?  (Or any other accounts with a balance besides those seven accounts you mentioned?)

[Anonymous]

Sure thing, 2 open installment loans, one of which is a mortgage and the other an auto.  The auto is closed, but hasn't reported as such yet, so with the point references in my original post I still have 2 open installment loans.  I went therefore from 3 of 9 accounts with balances to 4 of 9 accounts with balances.