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

[Revelate]

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@Meanmchine wrote:

Wells Fargo just posted my 6/1/2019 EX FICO9 score and a new negative scoreing reason just appeared

Too many inquiries last 12 months

WTH !!!  I have only 1 HP inquiry on EQ and 1 on EX and they officcially stopped scoring today.  Nothing else !  No way SP inqs are now scoring ??????

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Look at the actual report: you can get that for free at Experian.

As an aside you get full reason codes for EX FICO 9 from Wells Fargo?  What type of account is that?  I'm kinda sorta tempted whenever I next open up an account to pick up one too from them, FICO 9 is really the only score I don't have good access to from a testing perspecive when we're talking EX.

[Meanmchine]

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@Revelate wrote:

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@Meanmchine wrote:

Wells Fargo just posted my 6/1/2019 EX FICO9 score and a new negative scoreing reason just appeared

Too many inquiries last 12 months

WTH !!!  I have only 1 HP inquiry on EQ and 1 on EX and they officcially stopped scoring today.  Nothing else !  No way SP inqs are now scoring ??????

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Look at the actual report: you can get that for free at Experian.

As an aside you get full reason codes for EX FICO 9 from Wells Fargo?  What type of account is that?  I'm kinda sorta tempted whenever I next open up an account to pick up one too from them, FICO 9 is really the only score I don't have good access to from a testing perspecive when we're talking EX.

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All I have is a small checking accoumt.  I figured sooner or later I was going to app for their CashWise card so I was just re-establishing a relationship. For me, its a monthly refresh

[Revelate]

Whoa FICO 9 for a small checking account? Sold!

Edit: well at an opportunity cost of 90 bucks per year unless I want to try to figure out direct deposit shennigans meh.

[Meanmchine]

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@Revelate wrote:
Whoa FICO 9 for a small checking account? Sold!

Edit: well at an opportunity cost of 90 bucks per year unless I want to try to figure out direct deposit shennigans meh.

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or 20 swipes a month on the debit card.  Pull in gas station..  Pump $1. Rinse and repeat

[Meanmchine]

Interesting observation.  FICO score 2 both auto and bankcard shows the negative scoring code Many New Accounts still on my scores despite being over the AoYA 1 year mark now