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FICO 9

Egaffne2
Regular Contributor

FICO 9

Are FICO 9 scores generally higher than FICO 8? Is there a possibility my FICO 9 could be significantly lower? I'm gonna app with PNC in the near future for a card. I already have an account with them and I'm gonna go do it in person. I know PNC uses EX FICO 9 for apps. All I know is my FICO 8 which is 655. I want to get my score to 670 before I go in and app but I'm worried maybe my FICO 9 could be way lower. What places offer my EX FICO 9 score online. Also if anyone has any experience with PNC I would love to hear what you think.
Current 2021 FICO 8 score - 683 (EX)
Starting score - 530
Goal score - 700s across the board this year
Discover it - $2,000
CFNA Firestone - $2,400
Amex BCE - $1,000
Mission Lane - $1,100
Chase card (AU) - $3,000
Capital One Quicksilverone - $600
Lowes Advantage card - $3,000
2 student loans 93% paid off
Current Utilization - 13%


20 REPLIES 20
thornback
Senior Contributor

Re: FICO 9

FICO9s are often higher than FICO8s when things like PAID collections, inquiries, and new accounts are holding your FICO8s down. FICO9 ignores PAID collections and seems to penalize a bit less for inquiries and new accounts.

FICO9s may be lower than FICO8s if you have UNPAID collections, charge-offs (paid or unpaid), or 60Day+ lates present. FICO 9 seems to apply a heavier penalty for major derogs.

You can get your FICO9s from myFico.com

I have no experience with PNC.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 21
Egaffne2
Regular Contributor

Re: FICO 9

I do have a couple charge offs and collections that followed. Although I have not missed a payment in 4 and a half years but they are there. Holding my fico 8 down I'm sure so your saying fico 9 weighs those things heavier? Where can I get my EX 9?
Current 2021 FICO 8 score - 683 (EX)
Starting score - 530
Goal score - 700s across the board this year
Discover it - $2,000
CFNA Firestone - $2,400
Amex BCE - $1,000
Mission Lane - $1,100
Chase card (AU) - $3,000
Capital One Quicksilverone - $600
Lowes Advantage card - $3,000
2 student loans 93% paid off
Current Utilization - 13%


Message 3 of 21
thornback
Senior Contributor

Re: FICO 9

You can get your FICO9 scores from myFICO.com.

Yes, it's likely your FICO9s will be lower since you have chargeoffs present (of course, it's profile specific but my guess is they'll be lower).

I had a 5 year old paid chargeoff as my only derogatory on all 3 reports and my FICO9s were 45-60 points lower (depending on the bureau) than my FICO8s. Once the derog was removed, my FICO9s shot up and are now higher than my FICO8s.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 4 of 21
Egaffne2
Regular Contributor

Re: FICO 9

So if I order the one time one bureau report from myfico for EX it will give me my fico 9? Because when I read the small print it didn't say anything about fico 9. I think it's like $19.95
Current 2021 FICO 8 score - 683 (EX)
Starting score - 530
Goal score - 700s across the board this year
Discover it - $2,000
CFNA Firestone - $2,400
Amex BCE - $1,000
Mission Lane - $1,100
Chase card (AU) - $3,000
Capital One Quicksilverone - $600
Lowes Advantage card - $3,000
2 student loans 93% paid off
Current Utilization - 13%


Message 5 of 21
Trudy
Valued Contributor

Re: FICO 9

Yes.  You will get all EX FICO scores:

 

Fico 2 (use for MTG apps)

Fico 3 (very old version seldom used: not sure if they still provide as it was present on all of my reports thru Nov 19 but not on my Dec 19 rpt?)

Fico 2 Auto (older enhanced version)

Fico 2 Bankcard (older enhanced version)

Fico 8

Fico 8 Auto

Fico 8 Bankcard

Fico 9

Fico 9 Auto

Fico 9 Bankcard

 

FICO - 8: 05/07/21 AU 8 BC 8
FICO - 9: 05/07/21 AU 9 BC 9
F5,F4,F2 05/07/21 AU... BC...
Vantage 05/07/21
As of 05/01/21:
AoOA - 25Y2M | AoYA – 0Y6M | AAoA – 12Y0M
Open: 11 CC: (1 reporting 8.02% : 0.25% AGG UTL) | 1 PLOC | 1 MTG loan: 58.15% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 2/24 | (EX) 1/24
Message 6 of 21
Shooting-For-800
Senior Contributor

Re: FICO 9

Mine 9s are lower than my 8s and bounce up and down 40 points while my 8s go up and down like 5.

Bizarro world.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2021.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship, Synchrony, Evergreen, & Venture






Message 7 of 21
Egaffne2
Regular Contributor

Re: FICO 9

Thanks for the info now I'm nervous to even check....here we go....
Current 2021 FICO 8 score - 683 (EX)
Starting score - 530
Goal score - 700s across the board this year
Discover it - $2,000
CFNA Firestone - $2,400
Amex BCE - $1,000
Mission Lane - $1,100
Chase card (AU) - $3,000
Capital One Quicksilverone - $600
Lowes Advantage card - $3,000
2 student loans 93% paid off
Current Utilization - 13%


Message 8 of 21
Trudy
Valued Contributor

Re: FICO 9

Good luck.  Let us know.

FICO - 8: 05/07/21 AU 8 BC 8
FICO - 9: 05/07/21 AU 9 BC 9
F5,F4,F2 05/07/21 AU... BC...
Vantage 05/07/21
As of 05/01/21:
AoOA - 25Y2M | AoYA – 0Y6M | AAoA – 12Y0M
Open: 11 CC: (1 reporting 8.02% : 0.25% AGG UTL) | 1 PLOC | 1 MTG loan: 58.15% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 2/24 | (EX) 1/24
Message 9 of 21
Egaffne2
Regular Contributor

Re: FICO 9

Just got my fico 9 for EX and it's 45 points lower. It's 610. So looks like I won't be getting a card with my bank for a little while. Really sucks that PNC decided to start using 9 instead of 8.
Current 2021 FICO 8 score - 683 (EX)
Starting score - 530
Goal score - 700s across the board this year
Discover it - $2,000
CFNA Firestone - $2,400
Amex BCE - $1,000
Mission Lane - $1,100
Chase card (AU) - $3,000
Capital One Quicksilverone - $600
Lowes Advantage card - $3,000
2 student loans 93% paid off
Current Utilization - 13%


Message 10 of 21
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