Fico8 goes up, Fico9 goes down alot ?? How?? UPDATE MORE INFO

[Meanmchine]

OK let me say from the beginning, I have not truely captured my scores the way alot of you would have liked. Lesson learned for the future

I am using copies of myFICO 3b reports dated today and dated 4/13/2019. For the purposes of tracking score movement, the last myFICO alert for a negative score change took place on 1/29/2019 ( -2 points on TU)

4/13/2019 scores

FICO8  EQ/TU/EX   818 / 822 / 804

FICO9                       831 / 829 / 823

myFICO alert 4/30/2019 +4 point gain to TU 826

2 events ( not counting small balance changes ) take place

5/19/2019 a 2 year old inquiry falls off EQ report

6/01/2019 AoYA  ages to 1 year ( the exact anniversary date is 6/8 )

5/07/2019 Penfed shows my Fico EQ9 score s 831

6/01/2019 scores

FICO8  EQ/TU/EX   831 / 848 / 826

FICO9                       817 / 818 / 807 ???????????????????

A loss of                  -14  / -11 /  -16  Fico9 today compared to Aprii

All reports are totally clean AAoA 5.5y range  TUtil varies from 0.5% to 1.25%

What would cause a double digit FICO9 score loss when there was no negative
FICO8 movement?

Ideas?

See below

[Revelate]

Hrm, AOYA may well scorecard segment for FICO 9 at the one year mark; at least from what you reported I'm at a loss for suggesting why that might be the case otherwise though I'd be going through reports with a fine-toothed comb.

You mentioned AAOA, what's your AOOA too?

[Meanmchine]

On EX

AoOA is 13 years

AAoA is 5y 6m

[Revelate]

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@Meanmchine wrote:

On EX

AoOA is 13 years

AAoA is 5y 6m

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Think would need a bunch more details to concretely state, but it's not lost on me that I've had a higher EX FICO 8 than you with less age for both measures and also accounts around the 3 month mark too.

[Meanmchine]

All FICO9 models showed drops  ( Auto and Bankcard )

Fico9 Bankcard

Today  EQ / TU / EX     828 / 830 / 820

April                                842 / 842 / 841

Loss                                -14 / -12  / -21  ???????

Fico8 Bankcard

Today  EQ / TU / EX     859 / 883 / 867

April                                846 / 854 / 842

Fico 5-4-2 Bankcard

Today  EQ / TU / EX     810 / 813 / 820

April                                814 / 805 / 779

[Meanmchine]

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@Revelate wrote:

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@Meanmchine wrote:

On EX

AoOA is 13 years

AAoA is 5y 6m

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Think would need a bunch more details to concretely state, but it's not lost on me that I've had a higher EX FICO 8 than you with less age for both measures and also accounts around the 3 month mark too.

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At this point to me, it appears that this is a Fico9 scoring algorythem issue and not a data file issue. All the other Fico models appear at this time reflect AoYA gains

Open to more suggestions as to where to look

[Revelate]

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@Meanmchine wrote:

---

@Revelate wrote:

---

@Meanmchine wrote:

On EX

AoOA is 13 years

AAoA is 5y 6m

---

Think would need a bunch more details to concretely state, but it's not lost on me that I've had a higher EX FICO 8 than you with less age for both measures and also accounts around the 3 month mark too.

---

At this point to me, it appears that this is a Fico9 scoring algorythem issue and not a data file issue. All the other Fco models appear at this time reflect AoYA gains

Open to more suggestions as to where to look

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Look at the reason codes before and after.

[Meanmchine]

For today FICO9

Because your score is high, negative score factors present with your score are less relevant and therefore not provided.

For today FICO Bankcard 9 is interesting

EQ and TU negatives are short history and mortgage balance too high ( year 12 of 30 )

EX has the 2 above but a third reason ... Ive recently been looking fo credit. ???  Isnt that the AoYA negatie remark? 

Same thing for EX and now EQ Auto9 along with an additional negative for not having an auto loan

Could part of the problem be that for FICO9 scoring models, AoYA ages on the anniversary date and not the 1st of the month????  Might explain alot or part of this problem

[Meanmchine]

Just checked other scoring models.  AoYA scoring on the first of the month aging might be a FICO8 issue and not other models ???  Other models still show Im recently looking for credit, not just FICO9. Wouldnt explain why my scores in Fico9 models dropped tho. 

[Revelate]

Experian doesn't even report exact date opening so I suspect it's first of the month on FICO 9 too, and unfortunate you're right that damned score cutoff at 800: I *hate* that product decision as I know reason codes still come from the bureaus for those score ranges.

Seeking credit is actually inquiries, not new accounts / AOYA.  Short history is AAOA.

Could you actually cut and paste the exact reason code you're getting for that mortgage one?  Might be BC specific.

Generally speaking though if you get a positive change and your score went down, and I mean concretely a specific change not anything else that got conflated like all the balance twiddling that occurs, then it's probably from shifting scorecards.  Ultimately it's better to be on a higher tier scorecard anyway and we're talking minor drop, but it's awkward.