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FICO 9 score is 100 points higher then FICO 8 across all three CRA

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sjt
Senior Contributor

Re: FICO 9 score is 100 points higher then FICO 8 across all three CRA

Pen Fed and Union Bank offer FICO 9 scores.
American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 11 of 18
mysterythemoon
Regular Contributor

Re: FICO 9 score is 100 points higher then FICO 8 across all three CRA

Not sure if it's different but I have WF and they offer your Bankcard 2 EX FICO.

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of March 2018, Before The Fall:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500

TOTAL 2018 CREDIT LINE: $61,200

JUNE 2023 UPDATE
2020: COVID toppled me. All old accounts went into default. Business lost. Car repossessed.
2021: Cap1 let me back in (one secured/two not). Secured Mission Lane. AU on AMEX Gold, Citi Premier and Chase Sapphire. Car loan approved without cosigner for $20,000. All current.
Currently: No lawsuits. Thinking most SOL have expired on CC debt. Fingers crossed my math and memory are correct.

CURRENT SITUATION:
Mission Lane Secured: $3,400 (SL $400 -- unasked for CLI)
Capital One Secured: $300
Capital One QS1: $300
Capital One Savor: $1,000
Chase Sapphire Preferred: $10,000 (AU)
AMEX Gold: No Preset Limit (AU)
Citi Premier: $8,500 (AU)

SPRING 2026
ALL BADDIES DROP
Message 12 of 18
Anonymous
Not applicable

Re: FICO 9 score is 100 points higher then FICO 8 across all three CRA

WF is showing fico 9 from Experian on my checking
Message 13 of 18
Anonymous
Not applicable

Re: FICO 9 score is 100 points higher then FICO 8 across all three CRA

Monthly update from Experian!
Message 14 of 18
Revelate
Moderator Emeritus

Re: FICO 9 score is 100 points higher then FICO 8 across all three CRA


@sjt wrote:
Pen Fed and Union Bank offer FICO 9 scores.

Which union bank, the US version or one of the international?

 




        
Message 15 of 18
sjt
Senior Contributor

Re: FICO 9 score is 100 points higher then FICO 8 across all three CRA

US
American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 16 of 18
Revelate
Moderator Emeritus

Re: FICO 9 score is 100 points higher then FICO 8 across all three CRA


@sjt wrote:
US

Interesting, they hold my mortgage now I'll have to go look through their awkward web interface, haven't checked in like a year (go go autopay) heh.




        
Message 17 of 18
Anonymous
Not applicable

Re: FICO 9 score is 100 points higher then FICO 8 across all three CRA

First Bank card uses Experian Fico8

Message 18 of 18
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