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Sharing all of my 28 FICO scores

Regular Contributor

Re: Sharing all of my 28 FICO scores

Yes, that's my only baddie.  I posted in early January how surprised I was with the increase when TU apparently gave me an EE without asking. 

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Unexpected-50-pt-increase-with-Trans-Uni...

 

 

Not sure if this is helpful considering my scores at that time but I have a copy of my 9/19/16 report when I only had an open MTG and a closed auto (6 months prior) as installments.  Lot's of other baddies but my 9 scores were still 40+ pts higher.

 

09 2016 EQ.png09 2016 TU.png09 2016 EX.png




FICO 8 as of 02/08/19 :




FICO 9 as of 02/08/19 :


Message 11 of 24
Senior Contributor

Re: Sharing all of my 28 FICO scores


@BrutalBodyShots wrote:

@Thomas_Thumb wrote:

Note to BBS - take a look at aging factors that may be sub optimal possibly open loan AAoA, AoOA. Perhaps all loan AAoA and AoOA. It is possible these are more heavily weighted on Fico 9 - although only EX considers open only as a Fico attribute as I recall.


So it's possible that TU and EQ are taking into consideration closed loans?  I would think if anything that would help my profile, as I have an older mortgage and older auto loans relative to my AAoA.  I would definitely think that me not having an open auto loan currently would adversely impact my Auto scores.

 

When talking clean files (as I know there are some dirty differences between F8 and F9) is that a common attribute between files that generate a higher F9 score than their comparable F8?  Perhaps it is age of accounts related and those with higher Score 9's have older age of accounts factors?


 

There are two age related installment loan metrics:

a) Open only which EX looks at

b) Open+closed which all three CRAs look at. [There is no closed only metric].

 

Lack of an Auto loan likely does impact Auto enhanced Fico score a small amount - not sure if open status matters. I have never had an auto loan but, still reached 897 on EX and TU Fico 8 Auto enhanced.

 

Your industry enhanced Fico 8 scores are on par with what I see and a bit higher on EQ Fico 04. However, your Fico 9 counterparts are 15 to 20 points lower on average. Why?

- I generally report balances on more cards at higher individual and aggregate utilizations than you.

- My loan B/L ratio is around 21%

- My installment loan AAoA = AoOA = 13 years (one open loan, no closed loans on file)

- Total of 7 open accounts and one closed accounts

 -  AoOA = 34 years (AMEX charge card) followed by a revolver at 30 years.

 -  Overall AAoA is 19 years with AoYA at 6.8 years.

 

Fico 9 has a 13th scorecard that specifically segments those with high revolving utilization. Could that mean that less weight is put on revolvers for the remaining 8 clean scorecards? Is so, where are those potential points being assigned?

 

You report lower balances on fewer cards and have a much thicker file than me. Your installment B/L ratio is substantially higher. Your AoYA and AAoA are substantially lower overall and for installment loans. Given my higher F9 scores, aging attributes, open installment loan payment history and aggregate installment utilization (B/L ratio) are potential attributes holding back your F9 scores. Otherwise, it could be some scoring attribute in Fico 9 that did not exist in earlier Fico models. [3 of 6 cards reporting balances for the below, AG UT between 2% and 3%]

 

3B scores.jpg

...

 

 

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 12 of 24
Super Contributor

Re: Sharing all of my 28 FICO scores

Good info.  I know my Auto scores are taking a hit from no current open auto loan, as my negative reason statements have stated such.  How much, who knows.

 

I never figured out my installment loan AAoA, but in computing it now across my open and closed loans it comes out to 7.5 years, basically the same as my AAoA including all accounts.

 

I'm not sure my mortgage being at 75% is hurting my score at all at this point.  I know many have theorized that mortgages are viewed differently than other installment loan types by FICO.  I have not seen a negative reason statement pertaining to high installment loan utilization in quite some time now, which leads me to believe that perhaps I'm not experiencing a penalty there. 

 

My guess is that FICO 9 does seem to care about [older] age of accounts factors a bit more than FICO 8, which IMO is a good thing if that's the case.  Someone with 17 years AoOA verses twice that at (say) 34 years with substantially less history depth IMO should have a slightly lower score, even if in the real world those 10 points or whatever don't mean anything.

Message 13 of 24
Valued Contributor

Re: Sharing all of my 28 FICO scores

BBS --

 

Sharing all of my scores below, as of 02/01/2019.  I know you know much of my history from other threads that you and I have participated in, but for those that are not, I am just wrapping up a long recovery following a foreclosure, credit card settlement and extremely high revolving debt and util.   My scores at the time were in the 515-520 range.  My Equifax and Experian reports are now completely clean.  TU is showing a 30-day and 60-day late on a revolving account, which should turn positive in the next two months or so.  I have no open mortgage account.  I have two auto loans, both are well under 9% util.  AoOA is 36 years, AAoA is about 14.5 years.  

 

Equifax

FICO Score 8 - 850

FICO Mortgage Score 5 - 814

FICO Auto Score 5 - 832

FICO Auto Score 8 - 874

FICO Auto Score 9 - 885

FICO Bankcard 8 - 878

FICO Bankcard 5 - 832

FICO Bankcard 9 - 873

FICO Score 9 - 850

 

Experian

FICO Score 8 - 850

FICO Mortgage Score 2 - 823

FICO Auto Score 2 - 846

FICO Auto Score 8 - 896

FICO Auto Score 9 - 890

FICO Bankcard 8 - 900

FICO Bankcard 2 - 846

FICO Score 3 - 817

FICO Bankcard 9 - 882

FICO Score 9 - 850

 

TU

FICO Score 8 - 814

FICO Mortgage Score 4 - 805

FICO Auto Score 4 - 860

FICO Auto Score 8 - 848

FICO Auto Score 9 - 864

FICO Bankcard 8 - 845

FICO Bankcard 4 - 837

FICO Bankcard 9 - 854

FICO Score 9 - 846

 

(CK) Vantage 3.0 - 839/839

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Feb 2019: EX8: 850; EQ8: 850; TU8: 814 -- Thank you very much to this community!!
In My Wallet: Discover $73.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $18K; Citi Costco $13.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $18K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $263K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 14 of 24
Super Contributor

Re: Sharing all of my 28 FICO scores


@Thomas_Thumb wrote:

@NRB525 

 

Interesting flip-flop on the Fico 8 vs Fico 9 scores. It would be helpful to know profile details associated with each snapshot. Also, do you have a hypothesis based on your internal review.

 

 


April 2018 Summary:

FICO 8   EQ 805  TU 810  EX 812

FICO 9   EQ 799  TU 808  EX 808

Aggregate Util EQ 6%  TU 6%  EX 5%

Inquiries, all within 6 months: EQ=4  TU=4  EX=2

Recent Accounts: 3 Credit Cards, Auto loan, all within 6 months

CC Individual utilization:

7 are between 10% and 21%

13 under 10%, reporting some $

5 at $0 balance

 

 

Nov 2018 Summary:

FICO 8  EQ 819  TU 826  EX 816

FICO 9  EQ 831  TU 826  EX 823

Aggregate Ut, 4% all bureaus

Inquiries, all 6-months to 12-months: EQ=2  TU=1  EX=1

Recent Accounts: 1 w/in 6 months, 2 in 6-12 months range

Individual Utilization:

1 at 45%

3 between 10% and 20%

9 under 10%, reporting $

10 at $0

 

Mortgage currently at about 82% utilization, 10 years.

Second mortgage nearly max

Toy SSL at about 45% in Jan 2018, about 30% in Nov 2018

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Only one app would be interesting now, Platinum 100k, but Gold + Delta Reserve + SPG Luxury + Hilton Aspire covers a lot of ground. Useful cards: Hyatt and Diners and Altitude Reserve. Ch United maybe, on a lark, but not many other apps are necessary. Chase Trifecta is useful, but I'm not sure how long.
Message 15 of 24
Senior Contributor

Re: Sharing all of my 28 FICO scores


@EW800 wrote:

My Equifax and Experian reports are now completely clean.  TU is showing a 30-day and 60-day late on a revolving account, which should turn positive in the next two months or so.  I have no open mortgage account.  I have two auto loans, both are well under 9% util.  AoOA is 36 years, AAoA is about 14.5 years.  

 

Equifax

FICO Score 8 - 850

FICO Score 9 - 850

FICO Auto Score 8 - 874

FICO Auto Score 9 - 885

FICO Bankcard 8 - 878

FICO Bankcard 9 - 873

FICO Score 9 - 850

 

Experian

FICO Score 8 - 850

FICO Score 9 - 850

FICO Auto Score 8 - 896

FICO Auto Score 9 - 890

FICO Bankcard 8 - 900

FICO Bankcard 9 - 882

 

(CK) Vantage 3.0 - 839/839

 


Congratulations on the EX BCE 900 and the VS3 839s! 

 

Your VS3 scores tie for the highest I have seen reported. Much more difficult than Classic Fico 8 or Classic Fico 9 850s. More difficult than TU/EX BCE 900s. It was interesting to note the TU 839 which suggests the lates on your TU account are no longer impacting TU VS3. [How many open and closed accounts do you have on file? Is it more than 20?]

 

EQ has tweaked the Fico 8 BCE algorithm relative to TU/EX - no way to tell how. I've reached 900 on TU and EX but can't get past 892 on EQ. It looks like your EQ BCE lags as well.

 

When you 30/60 day late ages off TU in a couple months and your AoYA reaches one year in three months please update your 3B scores and report back. Chances are you will have TU/EX BCE 900s and even TU/EX Auto 900s. EQ counterparts in the 890s.

 

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 16 of 24
Valued Contributor

Re: Sharing all of my 28 FICO scores

Thomas_Thumb --

 

You hit on something that I should have noticed, but didn't.  You are correct, the fact that my two Vantage 3.0 scores are the same, would certainly suggest that the very old 30 and 60 day lates, that I have on TU only, have no impact on this model.   I've inserted a shot of what sounds like is a rare score for V3.  Smiley Happy

 

VS3.jpg

 

I did not realize that 839 was about the highest V3 score we have seen.  Interesting.  

 

I believe I have about 13 open revolving and two (2) installment loans (auto), for a total of 15 open accounts.  Technically it may be 16, as I have one account that has never been used, but I think it is just a backup for my checking account in the event of overdraft.  I have one closed mortgage account that is completely positive, as it was an account that got transferred to another lender, just a month before the foreclosure issue began.  It will fall off in a couple of years.  I also have two closed auto loans, both positive.  One will likely fall off in a couple of months and the other will show for another two years or so.  My Equifax report has a closed revolving account, which was a CC settlement.  You may recall it fell off of TU and EXP completely, but showed a bit differently on EQ, turning positive one month at a time.  When it turned positive is when my EQ Score 8 went to 850.  

 

Yes, I will absolutely report what happens when the 30/60 age off and the AoYA hits twelve months.  Should be interesting.  

 

Thanks again!  

 

 

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Feb 2019: EX8: 850; EQ8: 850; TU8: 814 -- Thank you very much to this community!!
In My Wallet: Discover $73.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $18K; Citi Costco $13.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $18K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $263K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 17 of 24
Senior Contributor

Re: Sharing all of my 28 FICO scores


@NRB525 wrote:

@Thomas_Thumb wrote:

@NRB525 

 

Interesting flip-flop on the Fico 8 vs Fico 9 scores. It would be helpful to know profile details associated with each snapshot. Also, do you have a hypothesis based on your internal review.

 


Mortgage currently at about 82% utilization, 10 years.

Second mortgage nearly max

Toy SSL at about 45% in Jan 2018, about 30% in Nov 2018


Thanks for the data Smiley Frustrated

Unfortunately your data conflicts with my hypothesis that #/% cards reporting and UT% are less important on Fico 9 compared to Fico 8. About the only thing that appears consistent is Fico 9 potentially giving more weight to increased installment loan AoOA - could 10 years be a milestone? I put your scores in table form (pasted below) to help with comparison.

 

NRB525 scores.jpg

...

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 18 of 24
Super Contributor

Re: Sharing all of my 28 FICO scores

EW800, thanks for sharing all of your scores and data.

 

It seems clear to me that age of accounts factors here when looking at my scores verses yours and TT's (which are pretty close when looking at AoOA and AAoA) are probably the biggest difference.  It would be cool to know the breakpoints though.  Do we have any forum members with AoOA and AAoA factors somewhere in between ours?  I'm thinking someone with a 10-12 year AAoA and a 20-25 year AoOA.  I'm curious if someone with those age of accounts factors would land closer to my scores or yours/TTs. 

Message 19 of 24
Super Contributor

Re: Sharing all of my 28 FICO scores

Completely off topic here, but I got an email tonight that my monthly membership from MF was cancelled, couldn't be processed and that a refund was going to my CC.  Clearly it was processed (or by definition there wouldn't be anything to cancel) as evidenced by the fact that I started this thread with all of the provided scores.  The membership is definitely deleted, though, as I cannot see any of the scores and there's no archived information for me to access.  I'm glad I started this thread, as it's a written record of my scores on that date since I hadn't recorded them any other way.  I guess I got the cheapest 28 score pull in history?

Message 20 of 24