Question about FICO score ranges that go up to 900

[Thomas_Thumb]

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@Zoostation1 wrote:

Several months back I had a weird situation where EX8 bankcard went down while classic and auto went up (as did all EX9 varieties too).  The only possible cause I could come up with is that EX8 BC took away points for crossing $2000 in total reported balances that month (was at $1992 the prior), but everything still rounded to the same tenth of a % and didn't cross any of the usual suspect thresholds (no acount was at the 28.9% individual or the suspected 8.9% aggregate) and AWB was the same.  I gave up on trying to figure that one out.

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Interesting, but not unexpected.

Were the scores pulled at the same time/date or did they come from different reporting sources?

I found the Fico 8 bankcard version to deduct more for # cards with balances than the classic counterpart.

Fico does look at $ amount balance in aggregate as well as utilization. Unfortunately there is not much data analysis targeted to the industry option overlays.

[Gregory1776]

Would the auto loan $ amount ever matter? 

[Zoostation1]

@Thomas_ThumbThey were pulled from the same source (monthly 3B pull here at myFICO).  Looking back at things it it wasn't just the other EX8 and EX9 varieties that increased when the EX8 BC went down slightly (-1). With the exception of EX8 classic only going +2, all other EX scores of any model went up by +5 or more.  I also had an inquiry drop from being scoreable (went from 2 to 1 scoreable at the time on EX).  For now I'm sticking with the $2000 aggregate threshold explanationon EX8 BC (even though I hate to make the implication it only exists on that specific model and nowhere else

[Thomas_Thumb]

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@Gregory1776 wrote:

Would the auto loan $ amount ever matter? 

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Loans are scored in aggregate based on balance to loan ratio. There are some aging metrics as well. Total $ amount is not a scoring factor.