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More 10 and 10T Data Points

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Zoostation1
Valued Contributor

More 10 and 10T Data Points

I've made some previous posts regarding how AZEO vs not and balance changes (all 10% util or less) have affected my scores and when I got my monthly update today I was suprised to see how FICO 10 and 10T reacted differently to my adding another inquiry this month from opening my 3rd card (card not reporting yet just the inquiry) while my balance reporting was slightly lower going from 2% to 1% on my AZEO card

  • Dirty Profile (4.6yr old BK7)
  • EX 1/6, 3/12 ; EQ and TU 1/6, 2/12

That additional inquiry hit 2 of my FICO 10 scores while my 2 of my 10T scores rose.

  • Sep FICO 10:  EQ 661, TU 674, EX 665
  • Oct FICO 10:  EQ 661, TU 664, EX 657
  • Sep FICO 10T:  EQ 689, TU 692, EX 679
  • Oct FICO 10T:  EQ 700, TU 692, EX 682

Anecdotally it appears that inquiries are weighted less relative to balances in 10T than in 10. And although no one's using 10T yet so it doesn't really matter, I find it amusing that my EQ 10T score is my only score from any of the 8, 9, or 10 suites that has hit 700.  FWIW the inquiry made almost no difference in my 8 scores (EX lost one point for the 3rd hard pull and that was all).  This may or may not be useful information for people but I find it interesting nonetheless.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
July 2025 FICO 8:
July 2025 FICO 9:
July 2025 FICO 10:
July 2025 FICO 10T:
6 REPLIES 6
RedKaos
Member

Re: More 10 and 10T Data Points

I guess you don't really lose (any??) points for opening new accounts if your profile is "dirty"?

 

I wish I learned that earlier. I'm dirty from a 60 day late from a few years ago and should have been smashing those apply buttons. Got 3 cards in a month earlier this year and my score barely dropped at the time.

Message 2 of 7
Zoostation1
Valued Contributor

Re: More 10 and 10T Data Points


@RedKaos wrote:

I guess you don't really lose (any??) points for opening new accounts if your profile is "dirty"?

 

I wish I learned that earlier. I'm dirty from a 60 day late from a few years ago and should have been smashing those apply buttons. Got 3 cards in a month earlier this year and my score barely dropped at the time.


In my case my October 3B pull had the inquiry (all 3 since it was Capital One and nothing was frozen) for the new card but it wasn't reporting yet.  This go around the new card reported at 7.7%, while my other 2 existing cards reported at 0% and my 10 and 10T scores tanked.  10 seems to be the harshest model for my profile.  My profile is dirty from a BK7 that was discharged just over 4yrs 8mo ago.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
July 2025 FICO 8:
July 2025 FICO 9:
July 2025 FICO 10:
July 2025 FICO 10T:
Message 3 of 7
mfinsmi1
Established Contributor

Re: More 10 and 10T Data Points

my 10/10t are so low because of all the new account activity - while i see the benefit to focus on a trending 24 month period, unfortuantely i feel like a few new accounts significantly lower these scores. honestly my brain hurts trying to keep up with all the new fico scoring models - by the end of next year itll be fico 11 

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 4 of 7
Zoostation1
Valued Contributor

Re: More 10 and 10T Data Points

I'm generally liking 10T more than 10 as I seem to have  signficantly higher ceiling with it and it isn't quite as punishing if you have a new inquiry.  I sometimes wonder why I've gotten so deep into this stuff but it's keeping me interested.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
July 2025 FICO 8:
July 2025 FICO 9:
July 2025 FICO 10:
July 2025 FICO 10T:
Message 5 of 7
805orbust
Valued Contributor

Re: More 10 and 10T Data Points

Yeah, Fico 10 is a strange bird. They're my highest by about 10-15 points, however there's a thread over in the News section that mentions that they are going to be used for mortgage apps soon in addition to 5, 4, and 2. So there's that... which I see as pretty huge if it happens. 



Message 6 of 7
Zoostation1
Valued Contributor

Re: More 10 and 10T Data Points

Yep 5, 4, and 2 are being replaced with both 10T and VantageScore 4.0 (regular 10 is not going to be part of this).  I'm trying to get my limits higher on my cards so I won't have to pay as close of attention to the balance on my AZEO card to keep my 10T looking decent if I get to a position where buying is feasible.  Im not thrilled about VS4.0 being used primarily because closed accounts stop reporting immediately and I find that problematic.  It encourages people to keep open accounts they shouldn't imo.  Also, considering how spastic Synchrony seems to be (they're the only lender I know of that was already using VS4.0 in credit decisions), that doesn't seem to bode well imo.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
July 2025 FICO 8:
July 2025 FICO 9:
July 2025 FICO 10:
July 2025 FICO 10T:
Message 7 of 7
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