I think FICO9 is broken

[Meanmchine]

On monday, I apped for a Chase card after spending 26 months in the garden

No HP were on any of my reports until this recent one

I lost 17 points just on one f###ing inquiry

The new account hasnt posted yet and AoYA hasnt reset either

EX8 I lost 3 points

Please note the too many inquiries in the last 12 months.  I only have one on the entire freaking file

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A year ago my AoYA hit 1 year mark

All three F8 scores went up 15 - 22 points

ON THE VERY SAME DAY

All three F9 scores DROPPED 12  - 14 points each

If someone says the word rebucket, Im gonna flame out

Could some mod please pass this on to Admin_Cindy

[lhcole77]

@Meanmchine  I agree..FICO 9 is f#548!@#!!!

[Meanmchine]

After calming down A LITTLE BIT

Another possible scoring change could have occured when Discover reported a new balance of $1450 / $15000 a few weeks ago, or if rounded up, it went from 0% to 10%. TUtil at <1%. I will know for sure in a few days when new balance = rounded up to 9%.  I lost 2 F8 points when it posted

[Anonymous]

That's a ridiculous amount of points for one inquiry. If it is broken hopefully it'll get fixed soon. 

I also want to add that while my Fico 9's are all higher than F8's; my EX F9 (along with some of the mortgage versions) mention I've been recently looking for credit; I have 4 inquiries on EX report- 2 from Amex in 10/2019; mortgage prequal 11/2019 and 3/2020. I'm on a dirty scorecard so maybe it's not as heavily weighted for me. 

[ocheosa]

There is definitely a discrepancy between WF EX9 in comparison to other scores. My EX9 went down -15pts, the only change was an inquiry and two balances vs three reporting. EQ9 -4pt and EQ8 -1pt.

one of the reasons stated "No recent revolving balances" but there is one revolving card and one installment reporting with balances

[Meanmchine]

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@Meanmchine wrote:

After calming down A LITTLE BIT

Another possible scoring change could have occured when Discover reported a new balance of $1450 / $15000 a few weeks ago, or if rounded up, it went from 0% to 10%. TUtil at <1%. I will know for sure in a few days when new balance = rounded up to 9%.  I lost 2 F8 points when it posted

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This speculation is incorrect.  After doing further checking, I had only lost 2 points when Discover reported a balance. My F9 dropped from 815 to 813 which means the inquiry still cost me 17 points

[Shooting-For-800]

My fico9 is almost 100 points lower than my fico8!

Drives me crazy!

[Anonymous]

As always interesting? Gave up trying to figure it out. Did a BT with Discover for around $1,500 and expected my scores to crash ... waited a few days and explored numerous CBs. Results were no change... oops my Mortgage Scores improved a few points (go figure).

Concerning Mortgage Scores the comments have read too short a loan period, too high utilization ... and the same has been the case for my vehicle loan in the past (until the outstanding balance was under 30%).

Will add the last new hard inquiry was November 2017.

[AzCreditGuy]

I also have 1 INQ and it labled as too many inqs, good to know you have such a high score that you get the same codes as me minus the CFA...I posed the question should I care about my Fico9 scores? Its a just a game and your scores no matter how high they are will always have some codes attached to them...

[Meanmchine]

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@AzCreditGuy wrote:

I also have 1 INQ and it labled as too many inqs, good to know you have such a high score that you get the same codes as me minus the CFA...I posed the question should I care about my Fico9 scores? Its a just a game and your scores no matter how high they are will always have some codes attached to them...

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+48  Tremendous !!

What triggered it?