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Sharing all of my 28 FICO scores

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Valued Contributor

Re: Sharing all of my 28 FICO scores


@BrutalBodyShots wrote:

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?


BSS, 

 

Huh!?  They cancelled your MF subscription?  Any idea why?  That is very concerning...

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2019: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $39.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $16.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $270K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 21 of 41
Super Contributor

Re: Sharing all of my 28 FICO scores

No clue, but I'm going to go with my default go-to cause for any issues I ever have... my suffix.  Uncle B knows about this well if he's reading... perhaps the suffix has struck again! 

 

It was my suffix indirectly that prevented me from starting this thread many months sooner.  Citi couldn't get my card to report due to the suffix on my name and actually had to drop the suffix off on their end in order to change that.  Frustrating stuff that I've been dealing with my entire adult life and one of the biggest reasons as silly as it may sound as to why I didn't name my son after me, much to the displeasure of my father.

Message 22 of 41
Senior Contributor

Re: Sharing all of my 28 FICO scores


@BrutalBodyShots wrote:

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. 


For comparison purposes it would be useful to get 3B data sets from others such as Dinosaur and IV. 

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 23 of 41
Super Contributor

Re: Sharing all of my 28 FICO scores

For sure.  The more data sets the better.

Message 24 of 41
Valued Contributor

Re: Sharing all of my 28 FICO scores

TT and BBS (and anyone else interested) --

 

I believe you had asked me to report back when that one remaining 60-day late fell off of my TU report, then making it a completely clean report.  My FICO 8 score had been 814 with the one very old 60-day late showing.  I am pleased to report that the 60-day late fell off this morning from TU and my FICO 8 score went up to 850!   I believe you had indicated that you were interested in all my scores once this happened.  I hope to post these later today when I get back home.  For now, I can say and celebrate the fact that the long recovery has resulted in 850's across the board on FICO 8 and FICO 9!  

 

Thank you to all wtihin this forum! 

 

FICO 8.jpgFICO 9.jpg

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2019: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $39.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $16.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $270K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 25 of 41
Valued Contributor

Re: Sharing all of my 28 FICO scores

I think it might be your AoYA keeping you from getting a perfect 850 in FICO 9. I always seem to get a small bump in my FICO 8 scores when my AoYA reaches 24 months. Perhaps FICO 9 puts more weight in AoYA?


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 7/10/19 - EX 802 7/13/19 - TU 815 6/03/19
Message 26 of 41
Super Contributor

Re: Sharing all of my 28 FICO scores


@jamie123 wrote:

I think it might be your AoYA keeping you from getting a perfect 850 in FICO 9. I always seem to get a small bump in my FICO 8 scores when my AoYA reaches 24 months. Perhaps FICO 9 puts more weight in AoYA?


Could be.  I'll know for sure on 4/1/19 if I pull my scores again, as my AoYA will reach 24 months at that time.  Since my last pull was refunded for whatever reason, I'll definitely try again on or shortly after 4/1/19 and report back on any score changes realized across the 28 provided scores, as it should be a fairly clean piece of data with AoOA and AAoA likely not crossing any milestones.

Message 27 of 41
Super Contributor

Re: Sharing all of my 28 FICO scores


@EW800 wrote:

My FICO 8 score had been 814 with the one very old 60-day late showing. 

 


Thanks for stopping back in with your update.  Congrats on the 850's! 

 

When you said your FICO 8 score had been 814, which one specifically?  Regardless, we know you received a 36+ point increase.  What were your other two FICO 8 scores at the time that 814 was pulled?  What I'm trying to determine here is much your greatest gain was (basically, 850 minus your lowest previous FICO 8 score).  There have been a bunch of posts on the forum lately involving someone with one minor aged delinquency coming off and receiving score gains of 31, 41 and 33 points.  Your gain here seems to fall right in line with those, but I'm just curious if you have 2 other potential score gains to add from the other 2 bureaus.

Message 28 of 41
Senior Contributor

Re: Sharing all of my 28 FICO scores


@EW800 wrote:

TT and BBS (and anyone else interested) --

 

I believe you had asked me to report back when that one remaining 60-day late fell off of my TU report, then making it a completely clean report.  My FICO 8 score had been 814 with the one very old 60-day late showing.  I am pleased to report that the 60-day late fell off this morning from TU and my FICO 8 score went up to 850!   I believe you had indicated that you were interested in all my scores once this happened.  I hope to post these later today when I get back home.  For now, I can say and celebrate the fact that the long recovery has resulted in 850's across the board on FICO 8 and FICO 9!  

 

Thank you to all wtihin this forum! 

 


Nice work on the six pack. It was an expected outcome. Should easily push your total 3B score above the 24,000 level - estimate 24,100.

 

I'll be interested in seeing how your Auto and Bankcard enhanced scores have shifted. I suspect your TU BCE 8 may have joined your EX BCE 8 at 900. Undoubetedly, EQ is still lagging behind 15 points or so. Question is: When your AoYA passes 12 months in April, will your Fico enhanced scores take another spike up and will EQ BCE Fico 8 be able to reach 900. Perhaps some Auto enhanced 900s as well.

 

I reached 897 on TU and EX Auto 8 but, I don't have an open or closed auto loan on file. The lack of an Auto loan is listed as a negative reason statement. Given you have one or two Auto loans that should not be a hold back with your file.

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 29 of 41
Super Contributor

Re: Sharing all of my 28 FICO scores

Does a closed auto loan "count" the same way an open one does in terms of auto-score maximization?

Message 30 of 41
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