FICO 9 - No "made up" reason codes

[NRB525]

Checked my 3B score today, and the FICO Score 9 is now over 800 on all three bureaus. Last May when I checked it, the Score 9 was less than 800.

The advantage to being over 800 on FICO Score 9? No More Stupid Reason Codes!  Winning!

[JLK93]

The monitoring service chooses to not show you reasong codes when your scores are over 800. The reason codes are still being generated. You just don't see them. Does that make sense? It doesn't make sense to me.

[SouthJamaica]

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@NRB525 wrote:

Checked my 3B score today, and the FICO Score 9 is now over 800 on all three bureaus. Last May when I checked it, the Score 9 was less than 800.

The advantage to being over 800 on FICO Score 9? No More Stupid Reason Codes!  Winning!

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How do you get that view of the 3 scores side by side?

[JLK93]

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@SouthJamaica wrote:

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@NRB525 wrote:

Checked my 3B score today, and the FICO Score 9 is now over 800 on all three bureaus. Last May when I checked it, the Score 9 was less than 800.

The advantage to being over 800 on FICO Score 9? No More Stupid Reason Codes!  Winning!

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How do you get that view of the 3 scores side by side?

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Beta View. I get the 3 scores side by side in the Beta View, but I don't actually get all of that information in the screen shot.

[Thomas_Thumb]

??? - The view NRB525 displays (CRAs side by side) is the one I always see on my 3B reports. I have been purchasing individual 3B reports periodically for a couple years. Perhaps this is a new feature for the monitoring service but the format has been around quite awhile.

Reason statement have always been absent for me on MyFICO 3B report summaries when scores are 800 or above for classic Fico 98, Fico 04, Fico 08 and Fico 09. For enhanced (Auto and Bankcard) that cutoff is 850 with MyFico reports. However, Citi provides Bankcard Enhanced Fico reason statements when scores are in the 880 to 890 range.

So yes, reason statements are generated by Fico whenever score is not maxed out but, some summary reports (including EQ Scorepower) choose not to display them if score is within 50 points of max.

[JLK93]

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@Thomas_Thumb wrote:

??? - The view NRB525 displays (CRAs side by side) is the one I always see on my 3B reports.

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You see all 3 FICO 9 scores side by side?

[Thomas_Thumb]

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@JLK93 wrote:

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@Thomas_Thumb wrote:

??? - The view NRB525 displays (CRAs side by side) is the one I always see on my 3B reports.

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You see all 3 FICO 9 scores side by side?

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Ok - you are making me question my memory. I'll have to pull my saved 3B PDF reports this evening and look specifically at the Fico 9 ones.  My recollection was all the Fico flavors displayed 3 across for classic and enhanced versions.

As I recall, the 1st report I have that included Fico 09 was early 2016. I'll add a screen shot capture to this post.

[JLK93]

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@Thomas_Thumb wrote:

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@JLK93 wrote:

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@Thomas_Thumb wrote:

??? - The view NRB525 displays (CRAs side by side) is the one I always see on my 3B reports.

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You see all 3 FICO 9 scores side by side?

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Ok - you are making me question my memory. I'll have to pull my saved 3B PDF reports this evening and look specifically at the Fico 9 ones.  My recollection was all the Fico flavors displayed 3 across for classic and enhanced versions.

As I recall, the 1st report I have that included Fico 09 was early 2016. I'll add a screen shot capture to this post.

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Now I see. I've always viewed the reports online. I just checked the PDF version. It does show all 3 FICO 9 scores side by side. Thanks.