Fico 9 is 67 points lower than Fico 8

[Merc1776]

I have a fresh report happening in less than 5 days for all 3. I wanted to see if there was a  lag variable element to it. I double checked and yes it was only TU9 the other 2 bureau were fine. And all other TU ficos were also fine on my 3b report. NFCU uses TU fico 9 for all new lines of credit so was thinking if it hit that part first (or potentially have more weighting on the TU9 with that part of the algorithm).

The new 3b it could give some evidence to lagging info yet thats just one hypothesis. Reverse engineering when reading only the tea leaves cant be "intresting" lol

Its a systematic aspect I am looking at because I have seen others identify such large supressed differential on that metric in other parts of the forum.

[Anonymous]

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@Merc1776 wrote:

I have a fresh report happening in less than 5 days for all 3. I wanted to see if there was a  lag variable element to it. I double checked and yes it was only TU9 the other 2 bureau were fine. And all other TU ficos were also fine on my 3b report. NFCU uses TU fico 9 for all new lines of credit so was thinking if it hit that part first (or potentially have more weighting on the TU9 with that part of the algorithm).

The new 3b it could give some evidence to lagging info yet thats just one hypothesis. Reverse engineering when reading only the tea leaves cant be "intresting" lol

Its a systematic aspect I am looking at because I have seen others identify such large supressed differential on that metric in other parts of the forum.

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@Merc1776  you are getting scores from MF? When did the new account first report? Do you have a 3B after the new account reported?

[Merc1776]

Yes, in Dec approx, and yes to the other question too. So have snapshop of 3b before, during, and afterwords. It was pretty pin-pointed for new pull/new account/than BT into account so could it be just mere random data point noise? Perhaps  I have been getting the 3b report since Nov 2020 because I am lowering amount of revolving debt and want much better rates than I was getting. I put into the CLI NFCU section of the site more details on nuts and bolts of what has been going on. Example asked for NFCU CLI and it was a no go they used EQ 9 which was 741 someone brought good points up so will retry in last week of March.

I open up a BECU checking and savings last week because I like to get a BT card soon for some long term debt. So if NFCU doesnt give CLI in end March to swing remaining amount of debt. ($5.5k) @17% to BECU potentially.

[Anonymous]

Just doesn’t make any sense because when the new account reported, you should’ve seen the score change on every version upon report at each bureau.

[Merc1776]

Thats what I was thinking yet there is a 57 pt diff on TU9 only so will keep an eye on it for changes

[Anonymous]

Yeah that’s insane because if one score changed at TU, all of them should have, because that means the data has been reported/updated there.

Sure I can see the other two bureaus not being updated yet and not changing, but that’s pretty insane unless the point change there was caused by something else, but you said the Account already reported everywhere, so I can’t explain that.

Please do keep us posted because I’ve never heard of anything like this before.

[Merc1776]

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@Anonymous wrote:
Yeah that’s insane because if one score changed at TU, all of them should have, because that means the data has been reported/updated there.

Sure I can see the other two bureaus not being updated yet and not changing, but that’s pretty insane unless the point change there was caused by something else, but you said the Account already reported everywhere, so I can’t explain that.

Please do keep us posted because I’ve never heard of anything like this before.

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Birdman --Just got fresh report it popped up +24 pts its still the lowest yet its diff got cut by nearly 50% to 29 pts in total.

[Anonymous]

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@Merc1776 wrote:

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@Anonymous wrote:
Yeah that’s insane because if one score changed at TU, all of them should have, because that means the data has been reported/updated there.

Sure I can see the other two bureaus not being updated yet and not changing, but that’s pretty insane unless the point change there was caused by something else, but you said the Account already reported everywhere, so I can’t explain that.

Please do keep us posted because I’ve never heard of anything like this before.

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Birdman --Just got fresh report it popped up +24 pts its still the lowest yet its diff got cut by nearly 50% to 29 pts in total.

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@Merc1776 were you going by the alerts instead of a pull? Did you get a 1B for Trans Union?

[Merc1776]

I have been getting all 3 monthly because I am tracking some future stuff so every 2nd of the month is a new report

[Anonymous]

@Merc1776 so did you see changes everywhere?