@Anonymous wrote:
Update:
Our credit union finally reported our visa update $0/1,000
It caused no change for EQ or TU but my EX went up 19 points and hubbys EX went up only 7 points
Again, I am assuming fico 8 or the bureaus are not counting my AU? In which case I'm getting better scores for one card than hubby is for 2 cards?
Uggh! So confusing 😡
Yes,
When all else fails point the finger at the difference - which is the AU card.
As Revelate mentioned, it appears the AU card is not counting for you with Fico 8. Why the big score difference? Perhaps you, with one less open account, are not experiencing the "too many accounts recently opened" while your hubby is. That scoring attribute is magnified with young & thin files. Additionally he may be getting dinged for too many accounts with balances while you are not.
Side note: As we know, AU accounts are conditional in counting with Fico 8 and almost certainly Fico 9 as well. Could conditioning be tweaked by each CRA? It certainly appears CRAs sometimes classify LOCs among the CRAs and store cards differently as well.
Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
