So on last month's 3B pull, the inquiry on all 3 bureaus for my 3rd card reported but not the new account yet. The inquires did very little to scores on FICO8, but had more signficant impacts on EX FICO9 along with both TU and EX FICO10 (FICO10T went up though) and I have a post on it. This month, the new card reported with 7.7% util as my AZEO, 2.8% aggregate. I expected all to decline partly due ot the new account and partly to do the higher utilization (I was previously 1% AZEO, and <1% aggregate). What I find odd is that FICO 9 reacted a fair bit differently than 8, 10, or 10T. I have no clue why 2 of my 3 FICO 9 scores went up. (Dirty profile FWIW)
FICO 8 EQ -7, TU -1, EX -1
FICO 9 EQ +15, TU -6, EX +10
FICO10 EQ -10, TU -8. EX -5
FICO10T EQ -30, TU -4, EX -3
FWIW, despite EQ 10T dropping 30pts, it's still 14pts higher than any of my regular FICO 10 scores are (10 seems to have the lowest floor from inquries while both 10 and 10T don't like even high single digit utlization).
Edit: A theory to possibly answer my own question here...This does mark my oldest account (Discover) hitting the 1yr mark since it first reported on all 3 bureaus last november. I would have thought lowering my AAoA and AoYA would outweight any sort of milestone in AoOA but I really don't know.
From your siggy you now have 3 cards right? Theres the 3 revovlers and less then 50% reported a balance. And the fav abbreviation on here. AZEO.
Yep 3 cards and I'm still AZEO though with higher utilization than the previous month. I just had expected all 3 bureaus would drop on FICO 9 to some degree or another since every bureau went down on FICO 8, 10 and 10T (apparently outweighing the drop to to 33% of accounts reporting a balance vs 50%).
FWIW. Why worry about FICO 10/10T. FICO 9 still isnt the go to standard. No reports of anyone using 10 as of yet. Stick to 8 & 9. My 10's look like I was just DC'ed from BK. 
@FireMedic1 wrote:FWIW. Why worry about FICO 10/10T. FICO 9 still isnt the go to standard. No reports of anyone using 10 as of yet. Stick to 8 & 9. My 10's look like I was just DC'ed from BK.
The FHFA approved 10T for mortgage scores, bypassing versions 8 and 9 (and a whole bunch of older versions). While we're probably a few years away from implementation, and it may take longer to infiltrate the credit card industry, FICO 10 or 10T may become a very important version. So while they're of no practical use right now, I think they're worth learning about.
Out of curiosity, how much lower are your 10s?
Since mortgages are in the conversation too I included the whole shebang besides bankcard and auto scores. These are all from my most recent pull. If it matters I'm 1/6, 2/12, 2/24 for inquiries on EQ and TU. On EX the difference is 3/24 but my understanding is that hard pulls only hurt for a year even though they show for two.
- EQ5 677 TU4 690 EX2 683
- EQ8 656 TU8 655 EX8 663
- EQ9 704 TU9 690 EX9 692
- EQ10 638 TU10 656 EX 652
- EQ10T 670 TU10T 688 EX10T 679
Vanilla FICO 10 is my lowest.