cancel
Showing results for 
Search instead for 
Did you mean: 

I think FICO9 is broken

Meanmchine
Super Contributor

I think FICO9 is broken

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

 

Screenshot_2020-08-08 FICO® Score - Wells Fargo.png

 

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

 

--------------------

 

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


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 1 of 17
16 REPLIES 16
lhcole77
Valued Contributor

Re: I think FICO9 is broken

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

Message 2 of 17
Meanmchine
Super Contributor

Re: I think FICO9 is broken

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


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 3 of 17
kkboom
Frequent Contributor

Re: I think FICO9 is broken

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. 


Gardening until 10/2021
Message 4 of 17
ocheosa
Established Contributor

Re: I think FICO9 is broken

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

 

Affinity FCU: Cash Rewards VS, PLOC. AOD FCU VS. BB&T Bright. BBVA: ClearPoints (x2), Rewards VS. Cap One: QS MC, QS Visa, SavorOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cashRewards VS, Plat MC, Plat Visa, CLOC. SECU MD VS. WF Propel Amex. Misc: Overstock, Target. TCL=$286K.
[6/21] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 6, EX 7, TU 1. AAoA=5y, AoOA=34y, AoYA=6m.

Business: Staples LOC. Office Depot. Quill. Uline. Amazon.
Current Project: 21-22 Business Profile.
Message 5 of 17
Meanmchine
Super Contributor

Re: I think FICO9 is broken


@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


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

 

Screenshot_2020-08-09 Scores myFICO Member Center.png

 


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 6 of 17
Shooting-For-800
Senior Contributor

Re: I think FICO9 is broken

My fico9 is almost 100 points lower than my fico8!

Drives me crazy!

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2021.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship, Synchrony, Evergreen, & Venture



Message 7 of 17
Dinosaur
Moderator Emeritus

Re: I think FICO9 is broken

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.

Message 8 of 17
AzCreditGuy
Frequent Contributor

Re: I think FICO9 is broken

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...

 

Capture.JPG

Message 9 of 17
Meanmchine
Super Contributor

Re: I think FICO9 is broken


@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...

 

Capture.JPG


+48  Tremendous !!

What triggered it?


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 10 of 17
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.