I came across someone claiming that the addition of an AU account to their file raised their Fico 8 scores ~35 points, but lowered their 2/4/5 mortgage scores ~20 points. I've never heard of such a thing, so was wondering if anyone else has. My guess (and what I told them) was that another profile change must have taken place that is going unnoticed. Thoughts?
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Possible for an AU account to raise F8 scores, but lower 2/4/5?

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2 months ago
Fri May 31, 2024 11:45 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
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I came across someone claiming that the addition of an AU account to their file raised their Fico 8 scores ~35 points, but lowered their 2/4/5 mortgage scores ~20 points. I've never heard of such a thing, so was wondering if anyone else has. My guess (and what I told them) was that another profile change must have taken place that is going unnoticed. Thoughts?
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Re: Possible for an AU account to raise F8 scores, but lower 2/4/5?

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2 months ago
Sun Jun 02, 2024 9:59 pm
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Cassie
DeveloperLoves long talks on the beach
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Level53 Last INQFriday, February 14, 2020 Gardening For4 years, 5 months, 13 days, 2 hours, and 27 minutes Next Level in17 days, 21 hours, and 33 minutes on August 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 5 months, 13 days, 2 hours, and 27 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 5 months, 13 days, 2 hours, and 27 minutes ago
BrutalBodyShots wrote: ↑Fri May 31, 2024 11:45 am I came across someone claiming that the addition of an AU account to their file raised their Fico 8 scores ~35 points, but lowered their 2/4/5 mortgage scores ~20 points.
@Rowdy_Dodger , did you see anything like this while collecting data points on AU accounts?
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: Possible for an AU account to raise F8 scores, but lower 2/4/5?

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2 months ago
Wed Jun 05, 2024 11:18 am
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Slabenstein
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Since F8 and the so-called mortgage scores score AU accounts differently, in principal this should be possible. One way you might see an opposite affect that I can think of is on a thin profile: if the AU card has a balance, then you get a AWB penalty on the mortgage scores, if it doesn't, then you get an AU AZ penalty on F8.
Slabenstein
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  • Score data EX8 817, TU8 834, EQ8 834
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Re: Possible for an AU account to raise F8 scores, but lower 2/4/5?

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2 months ago
Wed Jun 05, 2024 9:02 pm
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Beefy
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Level1 Last INQTuesday, May 28, 2024 Gardening For1 month, 29 days, 2 hours, and 27 minutes Next Level in21 hours and 33 minutes on July 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in10 months, 21 hours, and 33 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 10 months, 21 hours, and 33 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In10 months, 21 hours, and 33 minutes
Could a potentially very thin young profile with a not very old AU card cause this? The new account penalty on fico mortgage is 18 months right? Say a 13-17 month old AU account

Fico mortgage gains nothing but some negative reason codes but F8 manages to score a few positive points?
Beefy
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  • Score data EQ8-791; TU8-780 EX8-766
    EQ9-816; TU9-776; EX9-776
    EQ5-729; TI4- 740; EX2-723
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