Does anyone know what FICO9 weighs as less impactful than FICO8? For some reason my EQ F8 score is 705 while my EQ F9 score is 726. I think I read on here that F9 ignores collections under $100 but I don't have any collections. I have a BK7 reporting discharged on 9/2018 and 6 accounts ever late listed from pre-BK missed payments.
Possible differences between FICO 9 & FICO 8:
-paid collections not counted in 9
-unpaid collections given more weight in 9
-medical collections given less weight in 9
-rental history counted in 9
-recent inquiries given less weight in 9
-average age of accounts given less weight in 9
-no. of accts reporting balance given more weight in 9
-premium for open as opposed to closed installment loans reduced in 9
-installment loan utilization percentage given more weight in 9
-9 more sensitive to revolving utilization
-9 has a separate clean scorecard for people with high revolving utilization
Thanks for listing those out. I see a lot in your list that may be a factor.