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Fico 9 vs fico 8

Dan2089911
Established Member

Fico 9 vs fico 8

Hello all! I have a question about fico 9 vs fico 8 my transunion and equifax fico 8 is 104 and 51 points higher than 9. No collections accounts anymore and one almost 7 yr charge off from an old credit card that's paid. Now all my fico scores whether it's an older scoring model is good and none show a delinquency as a negative factor. Fico 9 for both shows serious delinquency as a factor and scores seem to show it. I called fico today and they said it's because 9 weighs it more but I guess my question is why isn't it weighing down my older scores along with fico 8. I would think since it's on my report it would weigh on other scores?
It's for $341. Feedback is appreciated!
Message 1 of 16
15 REPLIES 15
Dan2089911
Established Member

Re: Fico 9 vs fico 8

BTW my oldest card only reports to Transunion and its been paid in time for over a year so that's why Theres a big difference from tu to eq as far as tu scoring
Message 2 of 16
SouthJamaica
Super Contributor

Re: Fico 9 vs fico 8


@Dan2089911 wrote:
Hello all! I have a question about fico 9 vs fico 8 my transunion and equifax fico 8 is 104 and 51 points higher than 9. No collections accounts anymore and one almost 7 yr charge off from an old credit card that's paid. Now all my fico scores whether it's an older scoring model is good and none show a delinquency as a negative factor. Fico 9 for both shows serious delinquency as a factor and scores seem to show it. I called fico today and they said it's because 9 weighs it more but I guess my question is why isn't it weighing down my older scores along with fico 8. I would think since it's on my report it would weigh on other scores?
It's for $341. Feedback is appreciated!

It's my understanding that unpaid collections are given greater weight in FICO 9 than in FICO 8 and other models. So that would be my guess as to the reason why. Maybe it's not showing as paid. A chargeoff is when something isn't paid, it's just written off.


Total revolving limits 653000 (575000 reporting) FICO 8: EQ 716 TU 747 EX 715

Message 3 of 16
Dan2089911
Established Member

Re: Fico 9 vs fico 8

On my reports it says payment after charge off. I paid it in full
Message 4 of 16
SouthJamaica
Super Contributor

Re: Fico 9 vs fico 8


@Dan2089911 wrote:
On my reports it says payment after charge off. I paid it in full

Maybe you should start disputing it.


Total revolving limits 653000 (575000 reporting) FICO 8: EQ 716 TU 747 EX 715

Message 5 of 16
Dan2089911
Established Member

Re: Fico 9 vs fico 8

What should I say in the dispute? It says on my reports payment after charge off. Should it be saying something different?
Message 6 of 16
dynamicvb
Valued Contributor

Re: Fico 9 vs fico 8


@Dan2089911 wrote:
What should I say in the dispute? It says on my reports payment after charge off. Should it be saying something different?

It sounds like its reporting correctly to me so I would say do not dispute, perhaps a GW campaign. I think 9 is a lot more sensitive to any baddies than 8. All mine are a good bit lower to the tune of 40-50 points on the two CRA's that still have baddies on them. My TU is clean and version 9 is only a few points below 8. 

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:


First Goal Score: 750+ Reached 3/2019

Next Goal all over 800
Message 7 of 16
Dan2089911
Established Member

Re: Fico 9 vs fico 8

Well it's a ll about to fall off in May so not to much more time. I guess I'm just confused why it wouldn't bring down other scores or at least show as a negative indicator as in what's bringing down your score section. I get that it's weighed more but I guess I'm just surprised it's that MUCH more
Message 8 of 16
Dan2089911
Established Member

Re: Fico 9 vs fico 8

Well it's about to fall off in May so not to much more time. I guess I'm just confused why it wouldn't bring down other scores or at least show as a negative indicator as in what's bringing down your score section. I get that it's weighed more but I guess I'm just surprised it's that MUCH more
Message 9 of 16
buildingafuture
Frequent Contributor

Re: Fico 9 vs fico 8

If it falls off in May do some EE requests from CRAs. You can EE Experian in Feb and EQ in April. TU would do it now. Then it will be gone. 




Message 10 of 16
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