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Which FICOmodel has your highest scores?

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Zoostation1
Valued Contributor

Which FICOmodel has your highest scores?

For me, my highest non industry specific set of scores are FICO 9 followed by FICO 10T as next best, with regular FICO 10 being my lowest.  Since regenerating FICO scores in my rebuild (was not scoreable for a period of time) my FICO 9 has always been higher than FICO 8 and any others.  I'm sure if varies based on a person's profile but I'm curious as to what other people's experiences have been in this regard.  

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
Jan 2026 FICO 8:
Jan 2026 FICO 9:
Jan 2026 FICO 10:
Jan 2026 FICO 10T:
Message 1 of 11
10 REPLIES 10
Horseshoez
Senior Contributor

Re: Which FICOmodel has your highest scores?

I've seen some fairly dramatic swings in my FICO numbers; between my Chapter 13 discharge and the bankruptcy falling off my credit reports, my FICO 8 scores were the lowest of any of the FICOs in that they never once reached 700.  Once the bankruptcy aged off my reports my FICO 8s popped up to between 840 and 850, but those weren't the highest as the various Auto scores were all up in the 860 to 870 range.

 

Regarding the FICO 10 scores, they are kind of average as they hover in the lower third of the 800 range.

Chapter 13:

  • Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
  • Filed: 26-Feb-2015
  • MoC: 01-Mar-2015
  • 1st Payment (posted): 23-Mar-2015
  • Last Payment (posted): 07-Feb-2020
  • Discharged: 04-Mar-2020
  • Closed: 23-Jun-2020

 

I categorically refuse to do AZEO!

In the proverbial sock drawer:
Message 2 of 11
mgood
Valued Contributor

Re: Which FICOmodel has your highest scores?

Bankcard 9 is currently my highest.

I think Classic 9 is sometimes my highest. Those are both always up there at the top of my scores.

 

Three bureaus averaged together, scores from December 1:

score 1201.jpg



EQ8 780, TU8 748, EX8 771 as of January 3
AZE9 - 6% Utl - New Cards: 1/6, 2/12, 6/24
Message 3 of 11
disdreamin
Valued Contributor

Re: Which FICOmodel has your highest scores?

The FICO 8 scores are updated from the report date, but the others are from 12/14:

 

FICO 8: 850, 847, 843

FICO 9: 850, 850, 850

FICO 10: 850, 850, 850

FICO 10T: 843, 840, 841

 

For the ones that max at 900, my AUTO score 9 are highest, at 890, 889 and 882.

Message 4 of 11
Thomas_Thumb
Senior Contributor

Re: Which FICOmodel has your highest scores?

For a majority of people, one of the industry option scores is highest. Back when I paid for Fico scores, my highest scores were always TU and EX Fico 8 Bankcard. Fico 9 Bankcard scores lagged a bit behind.

 

I can't speak to Fico 10 models directly as I have not purchased a report since they became available.

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
Message 5 of 11
FireMedic1
Community Leader
Mega Contributor

Re: Which FICOmodel has your highest scores?

FICO 9 as always. FICO 10 & 10T can take a hike. Hope it doesnt see the light of day. 96 pt difference on EQ.

9.JPG

10.JPG



BK Free Aug25
Message 6 of 11
Zoostation1
Valued Contributor

Re: Which FICOmodel has your highest scores?

Wow.  I'm surpised at how much of a 9 to 10 gap.  My largest gap is also EQ 9 to EQ10 but it's somewhat smaller.

Capture2.PNGCapture.PNG

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
Jan 2026 FICO 8:
Jan 2026 FICO 9:
Jan 2026 FICO 10:
Jan 2026 FICO 10T:
Message 7 of 11
Anonymalous
Valued Contributor

Re: Which FICOmodel has your highest scores?

I've never bothered to pay for the full suite of FICO scores, but a bit over a year ago when I was a new file (1 card with 5 months of history + 1 old AU card, otherwise a completely empty file), I grabbed one of the Experian trials. My lowest of the 3 FICO 8s was EX 8, with EQ 8 being more than 20 points higher. But my absolute highest of the 300-850 scores was, of all things, the EX 3 mortgage score. It was over 50 points higher than EX 8, and well over 800. Probably related to very low utilization.

 

Among the 250-900 speciality scores, it was the EX bankcard 2 score that was highest (also over 800), with the EX 8 auto and bankcard score basically the same as standard EX 8 (i.e. about 50 points lower).

 

Right now, I have access to a mish-mash of FICO 8 and 9 scores (some bankcard, some not). I'm transitioning from a thin to a thick file -- I just got my 4th and 5th personal cards, but they haven't both appeared on all my credit reports yet. But with 20 months of personal credit history (still just revolving credit cards; no installment loans or anything like that) my scores are in the 750 to 790 range, with my FICO 9s typically at least 20 points higher than my FICO 8s. This is a recent jump -- just a couple months ago, my FICO 8 and 9s were about 20 points lower, and had been in that range for most of the year. The jump happened before I applied for either my 4th or 5th card.

 

 

 

Message 8 of 11
MasonK
Frequent Contributor

Re: Which FICOmodel has your highest scores?

Highest for me are Auto2 and BC2- both at 866. TU8 is my highest score for the "max 850" list at 834.

1/1/16 FICO8 Scores: EX: 407, EQ: 403, TU: 455
4/1/24 FICO8 Scores: EX: 832, EQ: 820, TU: 834
FICO9 EX: 818
Total Revolving Limits: $152,300

Message 9 of 11
Jeffster1
Valued Contributor

Re: Which FICOmodel has your highest scores?

My FICO 9s are the highest across the board.

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K
Message 10 of 11
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