I hate Fico9

[SouthJamaica]

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@Meanmchine wrote:

@SouthJamaica 

Im still looking for the original post years ago but I did stumble on this one.  The 20 point expected drop was I had just been approved for a

new credit card but the new account hadnt reported yet

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Thanks.

Nevertheless, unless you scour the before and after full reports, you cannot be certain what caused the score drop. Since you indicate you don't spend the money to get the full reports, I hope others will be able to scout this out the right way, and either confirm or debunk your theory.

I myself rarely hit 12 months without a new account, but I did hit that level once, on April 1, 2021, so I will try to go back and look through my reports and see if my FICO 9 behaved in a similarly aberrational way.

[SouthJamaica]

This detailed post from @Anonymous supports your theory.

[SouthJamaica]

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@SouthJamaica wrote:

This detailed post from @Anonymous supports your theory.

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I found the reports from when my AoYA reached 12 months. The results were

FICO 8, EQ +20, TU+29, EX +23, and FICO 9 EQ +2, TU +9, and EX +14. 

However these reports are totally inconclusive because (a) they were 48 days apart,

and (b) other changes had occurred in my profile, including my AAoA hitting 6 years.

[Meanmchine]

To further complicate this story,  a couple days ago I got an alert from Experian saying I had a score increase.

So Fico8 scores me a perfect 850 but Fico9 drops me 23 points.

[Meanmchine]

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@SouthJamaica wrote:

This detailed post from @Anonymous supports your theory.

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Thank you for posting.  It was an entertaining read.

[difringe]

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@SouthJamaica wrote:

This detailed post from @Anonymous supports your theory.

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nvm, found it. can't delete posts tho

[mitchblue]

My Fico 9 is slightly higher.