How Common Are FICO 9 and 10 Now?

[EW800]

I assume that other than mortgage pulls, FICO 8 is still the most common score to be used by lenders.  If that is correct, I am just wondering how common 9 and 10 are now.  Do either of them appear to be getting close to FICO 8 popularity or have a chance of becoming "the norm" in the next couple of years?  

Thanks!

[Anonymalous]

Is even a single lender using FICO 10?

The FHFA has authorized FICO 10T and Vantage Score 4.0 to replace the old mortgage scores, but they're still in the comment phase.

[Horseshoez]

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@Anonymalous wrote:

Is even a single lender using FICO 10?

The FHFA has authorized FICO 10T and Vantage Score 4.0 to replace the old mortgage scores, but they're still in the comment phase.

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I'm in the process of applying for a mortgage right now and I wish 10T was already being used; as of earlier this month my scores looked like this:

• Mortgage 5/4/2:
  • EQ: 754
  • TU: 756
  • EX: 792
• Fico 10T:
  • EQ: 811
  • TU: 805
  • EX: 817

[CreditPoor]

I have yet to find a single lender that has adopted FICO10 or FICO10T. As it stands, lots of lenders aren't even using FICO9 and instead use older models.  FICO 9 is however catching steam and a lot more lenders are starting to come around and adopt it.

[FicoMike0]

This might be a silly question, but how do we know which model they use?  I was just approved for a usb altitude connect card. I checked and they did a hard pull on tu. I didn't see anywhere which score they used or what value they got. Am I missing something?

[Zoostation1]

@FicoMike0 The thread below was being updated regularly, but due to a change in the forum rules for editing posts it's no longer being updated. 

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/m-p/637977...

[dunn2500]

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@FicoMike0 wrote:

This might be a silly question, but how do we know which model they use?  I was just approved for a usb altitude connect card. I checked and they did a hard pull on tu. I didn't see anywhere which score they used or what value they got. Am I missing something?

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I would see what my score was based of the pull and match it with corresponding score model

so say they pulled experian and my score was 792, I would check my current scores to see which model came back @ 792 or within a few points

[PepsterinBklyn]

What's your Vantage 4?

[FicoMike0]

Horseshoz, 

I don't have access to 10t , but I've noticed an increasing trend with the fico version number.  Eg, 

Tu fico4  766

Tu fico8 812

Tu fico9 832

Reason codes similar, mostly about age of credit.

I don't expect much effect from trending, my utilization is always under 10%.

[Horseshoez]

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@FicoMike0 wrote:

Horseshoz, 

I don't have access to 10t , but I've noticed an increasing trend with the fico version number.  Eg, 

Tu fico4  766

Tu fico8 812

Tu fico9 832

Reason codes similar, mostly about age of credit.

I don't expect much effect from trending, my utilization is always under 10%.

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Your TU scores are a bit above mine (for the moment):

• MORT 4: 756
• FICO 8: 792
• FICO 9: 806
• FICO 10: 792
• FICO 10T: 805

It looks like my MLO is going to do a hard pull on my credit next week so I expect my numbers to take a hit.