How do your Fico 10's compare to your Fico 8's and 9's

[805orbust]

So I looked at my latest monthly 3B report and noticed my FICO 10's are about 40 points or so higher than my 8's and 9's on average.  Which is weird because my 8's are all 40-50 points lower than they were last month (17% utilization, let a couple go over 50%, and about 4 additional cards reporting).  I was just wondering what the group was noticing.  If I was the paranoid type, I'd almost think that FICO 10 LOVES to see you deeper in debt.  Thoughts?

[disdreamin]

My FICO 10 scores are all ~10-15 higher than FICO 8's. My utilization this time around was $5 and I accidentally achieved AZEO.

[nwa479]

My Fico 10s were higher for both Equifax and Transunion. 

Equifax:   Fico 10 - 799, Fico 9 - 809, Fico 8 - 734.  (65 point difference)
Transunion: Fico 10 - 737, Fico 9 - 727, Fico 8 - 695 (45 point difference).

I know with the Equifax 9 vs 8 I had a paid collection two years ago that might be affecting the 8 not the 9.  Not sure what affects the Fico 10.  

My utilization is about 14 percent. 

[805orbust]

Interesting.  I can't make sense of it. Thought it was strange. Gonna be Interesting to see these data points start coming in.  Wonder if anyone will actually use it.  I've only had Penfed and Navy use FICO9 and that has to be 10 years old already.  *shrugs*

[RobynJ]

Apple (GS) also uses TU 9

[Beefy1212]

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@805orbust wrote:

So I looked at my latest monthly 3B report and noticed my FICO 10's are about 40 points or so higher than my 8's and 9's on average.  Which is weird because my 8's are all 40-50 points lower than they were last month (17% utilization, let a couple go over 50%, and about 4 additional cards reporting).  I was just wondering what the group was noticing.  If I was the paranoid type, I'd almost think that FICO 10 LOVES to see you deeper in debt.  Thoughts?

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My F10 scores are about 50 points lower than F8 and even more for F9.

My utilization is 0%, but I have a lot of new accounts and inquiries. F10 seems to mirror F5/4 much more closely than F8/9, how does your F10 compare to your mortgage scores?

[nwa479]

@Beefy1212 

There's no correlation between my mortgage scores and F9 or F10.  I wish the mortgage scores would improve as fast as my other scores have in the past two years. 

Mortgage: EQ 681, TU 677, EX 717

Fico 10: EQ 799, TU 737

Fico 10T: EQ 800, TU 734

Fico 9: EQ 809, TU 727

Fico 8: EQ 734, TU 695. 

Mortgage scores are picking up lates from five years ago and a couple of paid collections.  I've been reading articles online and on this forum that explain some of the differences between Fico 8, 9, 10.  Fico 10T got a lot of attention because it looks at trended data over the past 24 months.  Fico 10 looks closer at credit card debt and whether you typically pay off balances or keep a balance.  One thing F10 focuses on is personal loans.  If you get a loan to pay off credit card balances but then run up the card balances again this would negatively impact your F10 or F10T score.

I see there is also a Fico 10 auto and bank card score.  I compared mine also to the older scores.  These seem to track closely with the regular scores for F8,9,10.

Auto F10: EQ 819, TU 743

Auto F9: EQ 812, TU 706

Auto F8: EQ 748, TU 695

Auto 5,4,2: EQ 698, TU 684

Bank F10: EQ 809, TU 748

Bank F9: EQ 817, TU 731

Bank F8: EQ 745, TU 706

Bank 5,4,2: EQ 705, TU 709

I get the full 3B credit report monthly and track the changes, so I'll be watching these scores over the next few months to see what changes when I add a couple of cards this summer and buy a new truck.  Right now I don't know of any companies using F10.  Even F9 is not used as much as F8 and F9 has been around for awhile.  

[AzCreditGuy]

Wondering if any of you have experienced the following data points of Fico 10? 

1. Delinquencies showing lower Scores More Under FICO 10

2. Credit Card Debt having a Bigger Impact With FICO 10

3. Personal Loans Lowering scores under Fico 10 

I seem to remember that these were the new data pts in Fico 10, but they also stated if you have a higher score already it would be higher in Fico 10?

 

[disdreamin]

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@Beefy1212 wrote:
My F10 scores are about 50 points lower than F8 and even more for F9.
My utilization is 0%, but I have a lot of new accounts and inquiries. F10 seems to mirror F5/4 much more closely than F8/9, how does your F10 compare to your mortgage scores?

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I'll post all my current scores and information here for comparison sake - these are all from my 5/5/2022 pull with no updates to any scores at this time:

• Mortgage scores: 811, 811, 800
• FICO 10 scores: 837, 821, 823
• FICO 9 scores: 849, 839, 840
• FICO 8 scores: 821, 812, 811

Only my Target Redcard showed a balance ($5), my other 6 active revolvers showed no balance. An auto loan is the only active installment loan and current owed is 49.2% of original loan amount. No baddies and AAoA is 11.5 years to 12.5 years depending on reporting agency. Newest account is 4 months.

Not sure any of this is useful, but maybe it's worth sharing.

[AzCreditGuy]

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@disdreamin wrote:

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@Beefy1212 wrote:
My F10 scores are about 50 points lower than F8 and even more for F9.
My utilization is 0%, but I have a lot of new accounts and inquiries. F10 seems to mirror F5/4 much more closely than F8/9, how does your F10 compare to your mortgage scores?

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I'll post all my current scores and information here for comparison sake - these are all from my 5/5/2022 pull with no updates to any scores at this time:

• Mortgage scores: 811, 811, 800
• FICO 10 scores: 837, 821, 823
• FICO 9 scores: 849, 839, 840
• FICO 8 scores: 821, 812, 811

Only my Target Redcard showed a balance ($5), my other 6 active revolvers showed no balance. An auto loan is the only active installment loan and current owed is 49.2% of original loan amount. No baddies and AAoA is 11.5 years to 12.5 years depending on reporting agency. Newest account is 4 months.

Not sure any of this is useful, but maybe it's worth sharing.

I had the same scores of your Fico 8s a couple of months ago, with very low usage on cards and personal loan of  3% of original loan amount owed and No baddies and my AAoA was 3.5 yrs and mortage scores betwen 749 and 800....Thanks for the info  

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