Credit Scoring Analysis

The primary focus here is on FICO 8 score models.

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Mortgage Scores

21

344
FICO Score 9

6

60
FICO Score 10 and 10 T

5

69
VantageScores

41

295
Reason Codes, Reason Statements & Miscellaneous

14

166

119 topics

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AoYRA threshold points?

By: BrutalBodyShots

0

29

Unanswered 2 months ago
Possible for an AU account to raise F8 scores, but lower 2/4/5?

By: BrutalBodyShots

3

89

Last 2 months ago
Fico Score Drop

By: Dinosaur

1

56

Last 3 months ago
84.9% utilization or 89.4% utilization is key??

By: NoMoneyNoHoney

10

137

Last 3 months ago
Credit Mix doesn't change when you close an account

By: BrutalBodyShots

3

61

Last 3 months ago
LACK of recent consumer finance company negative reason code on EQ BCE8?

By: BrutalBodyShots

14

172

Last 4 months ago
What makes a good Authorized User (AU) card?

By: Rowdy_Dodger

10

219

Last 4 months ago
Aging DP

By: rryann

0

47

Unanswered 5 months ago
850 possible with auto loan at ~70% utilization

By: BrutalBodyShots

4

109

Last 5 months ago
Scoring Oddity - EX Bankcard 8

By: EvenBetterThanTheRealThing

9

103

Last 5 months ago
850 Fico 8 possible on a New Revolver scorecard?

By: BrutalBodyShots

0

51

Unanswered 6 months ago
Young credit history DP

By: rryann

3

82

Last 6 months ago
AU accounts do not impact aging metrics?

By: BrutalBodyShots

26

352

Last 6 months ago
Data points on 1 maxed out card?

By: BrutalBodyShots

21

263

Last 5 months ago
Trying to isolate effect of CFA

By: Beefy

14

235

Last 7 months ago
Surprisingly small loss for new account

By: EvenBetterThanTheRealThing

2

94

Last A year ago
EQ Fico 8 score 861+ with buffer

By: BrutalBodyShots

4

126

Last 7 months ago
EX8 & EX2 Data Point: Maxing out 2 CCs

By: AllZero

36

529

Last A year ago
All Zero data point on a 1y6m old credit file

By: Cassie

2

106

Last A year ago
Confirming 80% loan threshold f8 and vs3

By: Beefy

4

145

Last A year ago
Thoughts on 10T trended data does carrying balances really matter?

By: Beefy

0

75

Unanswered 2 years ago
Paid Off MTG and Scores Dropped

By: Rythmyk

9

196

Last 2 years ago
How to calculate FICO net effect on "what if scenarios"??

By: NoMoneyNoHoney

10

236

Last 2 years ago
Does making payments several times a month instead of lump payment help?

By: NoMoneyNoHoney

5

140

Last A year ago
EX8 Data Point: Crossing the 30% threshold

By: Cassie

4

166

Last 2 years ago
TU8 Data Point: 4% to 26% util, negative point change on young file

By: Cassie

5

88

Last 2 years ago
Super confused... New account Score went up not down.

By: Beefy

0

77

Unanswered 2 years ago
Does this sound like a practical idea of how to judge how well ones credit scores are?

By: Credible

6

122

Last 2 years ago
"No Recent Revolving Balances"

By: Credible

4

94

Last 2 years ago
Question on Scorecards?

By: LaHossBoss

4

149

Last 2 years ago
When does this drop?

By: D10001

3

118

Last 2 years ago
Today was the day, but then a surprise....

By: LaHossBoss

7

169

Last 2 years ago

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