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

[disdreamin]

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@AzCreditGuy wrote:

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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I suspect my scores are being held down by the auto loan, which has only been reporting for 8 months, and the new credit card from January. If I remember, I might try to pull a report while my auto loan shows <9% in a few months, I'm not sure what kind of bump that might give me and I'm also not sure I will remember to wait to pay it off to see the numbers.

[TheKid2]

Share some DPs!

I'm in a dirty scorecard with old paid off COs and lates. I'm not carrying much revolving debt (17% overall) and I do have quite a few recent openings as I finally got my credit back over the past 2 years. Note that I've pretty much confirmed over the years that the scores are the same from AZEO to carrying balances on several cards - until the COs and lates fall off I expect I will continue to peak score wise at low overall utilization. So when the 17% goes down, I expect to see these go up a bit next month.

F8 = 703, 707, 716

F8Bank = 716, 712, 711

F9 = 731, 706, 717

F9Bank = 729, 701, 710

F10 = 702, 701

F10T = 706, 682

F10Auto = 724, 723

F10Bank = 707, 710

Scoring is fascinating stuff. I will try to remember to share when I get my next 3B and lower overall util.