Understanding FICO® Scoring (2024)

Table of Contents
The many flavors of FICO:__Editions, versions, and... Frequently Requested Threads About this board... Inquiries drop from 3 to 2 --> EQ FICO 8 +7 'no recent revolving balance' - card threshold? Help me understand the huge discrepancy between my... Utilization question, one card or two? My score dropped by 40pts, where did I go wrong? 1.4% Utilization Causes 9 Point Score Drop AZEO Case Why 60 points difference. Specifics and Rationalization 791 TU vs 777 EXP Paying off Credit Cards and... Third party info for my EQ report is incorrect (in... Does the remaining loan balance play factor in sco... Closed my CFA Loan that had a $28 balance and my s... CFA loan under $100? ECOA Compliance for FICO scoring All zero penalty 22 points Re: Vantage 3.0 Model help needed Impact to FICO scores due to full account balance(... MyFICO showing an error Question about scoring on mature, thin profile -4pts EQ8 for 4/6 revolving AWB? Utilization rates that matter? Question about FICO score ranges that go up to 900 Inquiries drop from 4 to 3 --> EX FICO 8 +7 Consumer Finance Accounts Mortgage FICO scores versus FICO 8 PenFed SSL (Shared Secured loan) just dont use your credit cards at all? Util and AAoA trumps my last derogs falling off

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by gdale6 on ‎09-18-202012:41 PM Latest post on ‎09-16-202005:24 PM by UncleB

111 Replies 17549 Views

111 Replies

17549 Views

The many flavors of FICO:__Editions, versions, and...

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by jello77 on ‎06-27-202009:03 PM Latest post on ‎06-27-202012:46 PM by Anonymous

165 Replies 302973 Views

165 Replies

302973 Views

Frequently Requested Threads

by Tuscani on ‎06-14-202106:29 PM

0 Replies 113518 Views

0 Replies

113518 Views

About this board...

by Barry on ‎01-13-200912:26 PM

0 Replies 52907 Views

0 Replies

52907 Views

Inquiries drop from 3 to 2 --> EQ FICO 8 +7

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by SouthJamaica on ‎04-14-202406:03 AM Latest post on ‎07-05-202408:22 PM by Yankee2

16 Replies 1035 Views

16 Replies

1035 Views

'no recent revolving balance' - card threshold?

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by expatCanuck on ‎07-28-202205:45 AM Latest post on ‎07-05-202412:34 PM by Understanding FICO® Scoring (7)user1115716

16 Replies 881 Views

16 Replies

881 Views

Help me understand the huge discrepancy between my...

by Understanding FICO® Scoring (9)alexsmith on ‎07-04-202410:17 PM Latest post on ‎07-05-202412:04 PM by FicoMike0

6 Replies 200 Views

6 Replies

200 Views

Utilization question, one card or two?

by Yankee2 on ‎07-03-202408:19 AM Latest post on ‎07-03-202403:37 PM by Yankee2

5 Replies 198 Views

5 Replies

198 Views

7 Replies

430 Views

1.4% Utilization Causes 9 Point Score Drop

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by CreditPoor on ‎07-02-202404:06 PM Latest post on ‎07-03-202402:24 PM by SouthJamaica

11 Replies 381 Views

11 Replies

381 Views

AZEO Case

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by Understanding FICO® Scoring (15)mnperson on ‎07-01-202402:52 PM Latest post on ‎07-02-202408:23 AM by Understanding FICO® Scoring (16)mnperson

14 Replies 371 Views

14 Replies

371 Views

Why 60 points difference.

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by MeCasa on ‎06-20-202401:20 PM Latest post on ‎06-29-202405:27 PM by Thomas_Thumb

20 Replies 550 Views

20 Replies

550 Views

Specifics and Rationalization

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by MeCasa on ‎06-25-202410:39 AM Latest post on ‎06-27-202405:14 PM by MeCasa

10 Replies 492 Views

10 Replies

492 Views

791 TU vs 777 EXP

by abcdefghijklmnopqrstuvwxy on ‎06-25-202401:01 AM Latest post on ‎06-26-202409:43 PM by Thomas_Thumb

6 Replies 418 Views

6 Replies

418 Views

Paying off Credit Cards and...

by jdetermann1974 on ‎06-23-202402:21 PM Latest post on ‎06-24-202411:39 PM by Thomas_Thumb

6 Replies 424 Views

6 Replies

424 Views

Third party info for my EQ report is incorrect (in...

by masscredit on ‎06-20-202411:58 AM Latest post on ‎06-23-202404:32 PM by masscredit

5 Replies 286 Views

5 Replies

286 Views

Does the remaining loan balance play factor in sco...

by Gregory1776 on ‎06-20-202411:57 AM Latest post on ‎06-20-202406:21 PM by Thomas_Thumb

3 Replies 244 Views

3 Replies

244 Views

See Also
FICO Forum Latam destaca a la orquestación de datos como impulsor de la experiencia del cliente | #Tech

Closed my CFA Loan that had a $28 balance and my s...

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by AzCreditGuy on ‎08-09-202105:56 PM Latest post on ‎06-20-202412:03 PM by Gregory1776

19 Replies 1446 Views

19 Replies

1446 Views

CFA loan under $100?

by Understanding FICO® Scoring (25)Pppoolboy on ‎06-17-202410:32 PM Latest post on ‎06-19-202405:40 PM by FicoMike0

5 Replies 366 Views

5 Replies

366 Views

ECOA Compliance for FICO scoring

by Understanding FICO® Scoring (27)Pppoolboy on ‎06-18-202402:09 PM Latest post on ‎06-19-202405:37 PM by FicoMike0

9 Replies 517 Views

9 Replies

517 Views

All zero penalty 22 points

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by SouthJamaica on ‎04-19-202407:38 AM Latest post on ‎06-18-202411:34 AM by GZG

24 Replies 933 Views

24 Replies

933 Views

Re: Vantage 3.0 Model help needed

by GZG on ‎06-08-202410:25 AM Latest post on ‎06-18-202408:07 AM by Understanding FICO® Scoring (30)Pppoolboy

2 Replies 363 Views

2 Replies

363 Views

Impact to FICO scores due to full account balance(...

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by Bonaccan on ‎06-17-202411:42 AM Latest post on ‎06-18-202407:13 AM by FicoMike0

10 Replies 436 Views

10 Replies

436 Views

MyFICO showing an error

by Understanding FICO® Scoring (33)Iryseup on ‎06-17-202407:13 AM Latest post on ‎06-17-202411:13 AM by SouthJamaica

2 Replies 259 Views

2 Replies

259 Views

Question about scoring on mature, thin profile

by Aeon on ‎06-08-202406:25 AM Latest post on ‎06-16-202402:13 PM by Thomas_Thumb

7 Replies 503 Views

7 Replies

503 Views

-4pts EQ8 for 4/6 revolving AWB?

by Zoostation1 on ‎06-13-202409:28 PM Latest post on ‎06-15-202403:28 PM by SouthJamaica

4 Replies 314 Views

4 Replies

314 Views

Utilization rates that matter?

by Gregory1776 on ‎06-14-202406:23 PM Latest post on ‎06-14-202407:31 PM by SouthJamaica

2 Replies 330 Views

2 Replies

330 Views

Question about FICO score ranges that go up to 900

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by CH-7-Mission-Accomplished on ‎05-04-202308:11 AM Latest post on ‎06-13-202409:57 PM by Thomas_Thumb

13 Replies 2673 Views

13 Replies

2673 Views

Inquiries drop from 4 to 3 --> EX FICO 8 +7

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by SouthJamaica on ‎04-24-202402:50 PM Latest post on ‎06-12-202409:10 AM by keekers

22 Replies 886 Views

22 Replies

886 Views

Consumer Finance Accounts

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by MissLiz on ‎06-06-202407:39 AM Latest post on ‎06-11-202407:15 AM by md_rebuild

22 Replies 623 Views

22 Replies

623 Views

Mortgage FICO scores versus FICO 8

by worthben on ‎06-07-202406:53 AM Latest post on ‎06-08-202403:53 PM by babbles

5 Replies 539 Views

5 Replies

539 Views

PenFed SSL (Shared Secured loan)

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by SlimShady66 on ‎01-06-202401:08 PM Latest post on ‎06-08-202402:14 PM by SlimShady66

41 Replies 1480 Views

41 Replies

1480 Views

just dont use your credit cards at all?

by hoang817 on ‎06-06-202412:56 PM Latest post on ‎06-08-202410:49 AM by CreditPoor

6 Replies 610 Views

6 Replies

610 Views

Util and AAoA trumps my last derogs falling off

by TheKid2 on ‎06-02-202410:41 AM Latest post on ‎06-07-202409:56 AM by TheKid2

2 Replies 364 Views

2 Replies

364 Views

Understanding FICO® Scoring (2024)
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