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The elusive FICO EX

Valued Contributor

The elusive FICO EX

The PSECU time of the month recently passed, and somehow my EX score wandered into the 800s, which to the best of my knowledge has never happened before. I'm delighted of course, but also a little puzzled, because while my expectation was for a higher score due to a zeroed card, two listed surprises are putting a damper on things.

1. You've recently been looking for credit. It's been a full year, so why is this reason lingering?

2. There are no recent balances on your revolving credit accounts. For the one card with a balance, the loan type is revolving account and the credit limit is reported, but the loan type reports as flexible spending credit card.

TU too doesn't use this card in its util calculation, but EQ does. And unlike EX, my EQ and TU have both stopped saying anything about looking for new credit.

While it's odd that my EX score has gone up, it's even more of a mystery it didn't do so earlier. After all, people have reported FICO EX scores much higher than their EQ or TU; just look at bulbisaur's TU 802 EQ 797 EX 844.

So it looks as if my EX has a brighter future? Certainly it hasn't been elusive to some.

Message 1 of 8
Valued Contributor

Re: The elusive FICO EX

Re: 1. It turns out EQ after one year and one month is still saying "You've recently been looking for credit." So just TU has stopped.

Re: 2. A more recent thread discusses a card with a balance, yet "There are no recent balances on your revolving credit accounts."

Message 2 of 8
Frequent Contributor

Re: The elusive FICO EX

That is a reporting service for your report, it does not reflect the score or true account of things.  If you are applying for a loan or credit and they ever use that as a reason you just prove other wise.  This is an information systems issue, although components are interrelated they each have their own output because they are analyzing their own set of data, I wouldn't be too concerned about these recommendations if they are not seemingly dampering your score to an undesired number.

Message 3 of 8
Valued Contributor

Re: The elusive FICO EX

FICO scoring can be so much fun. I put a balance on a second card, one that's used for utilization, and the two things affecting my FICO score have been replaced by two other things.

You have too many credit accounts with balances.
You have a consumer finance account on your credit report.

I guess they just have to list something. Smiley Very Happy

But I do find it interesting that an EX of 819 can be accomplished having more than one card with a balance and at the same time also having a double digit utilization. Wouldn't be correct to say that not a day goes by when these two pieces of advice, a small balance on one card, aren't favored?

Still, the before mentioned 844 may be well out of reach for me, because what if the most you can achieve depends on the state you live in? It might sound crazy enough to be true!

Message 4 of 8
Regular Contributor

Re: The elusive FICO EX

my-own-fico wrote:

I guess they just have to list something. Smiley Very Happy


Yup, I've asked a similar question in the past and someone responded saying that if you have no significant negative things on your credit report for them to mention, they just pick 2 things to put on there anyway even if it's not really a "real" negative.


My EX FICO was 824 for like 3 months in a row then dropped to 762 for no apparent reason.  No new loans, no sudden high utilization, no applications for credit.  Maybe it's my student loans kicking in since I just finished school and the no payments required grace period ended? Currently climbed back to 782 after 4 months.


PSECU EX FICO currently says I have too many credit accounts with balances (I only have 2 credit cards and one has a $0 balance on it) and too short of a credit history (AAoA should be over 5 years I believe - no idea what would be considered "not short" for history).

Walmart Discover TU08 FICO 12/07/15: 767 PSECU EX V2 FICO 12/05/15: 735
AMEX EX08 FICO 12/19/15: 778 PenFed EQ NG2 FICO 12/01/15: 717
Message 5 of 8
Valued Contributor

Re: The elusive FICO EX

My understanding is they list the most negative factors you have.  At your levels, which are outstanding, those are the best they can come up with.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Message 6 of 8

Re: The elusive FICO EX

My report says:


1.  You have been looking at your score too much,

2.  You are not spending enough time outside.


But seriously, wow.  You worry way too much about your score, and possibly have way too much time in your hands.


Close the computer, go out, enjoy life a little bit.  There is life ouside of EX FICO score.

Message 7 of 8
Frequent Contributor

Re: The elusive FICO EX

That post was EPIC....^^^^^^^^^^^^^^^^^^^^^^^^^^  Smiley Very Happy

Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011
Current Score: 753 TU, 764 EQ, 766 EX on 02/17/2014
Goal Score: 720-740 Across the board

Take the FICO Fitness Challenge
Message 8 of 8