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I hate Fico9

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Meanmchine
Super Contributor

I hate Fico9

On Jan 13th I saw this on my Wells Fargo Fico Tracker

 

 

Screenshot 2023-01-13 at 10-17-02 FICO® Score.png

 

On Feb 1st, my AoYA hit one year old, a normal big Fico8 jump.  However, Fico9 continues to hate this milestone

 

 

Screenshot 2023-02-16 at 18-03-20 FICO® Score.png

 

This is not the first time this anomaly has happened to me

 

FIX FICO 9 ALREADY

 

 

 

 

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 1 of 27
26 REPLIES 26
difringe
Established Contributor

Re: I hate Fico9

OK SUDDENLY THINGS MAKE SENSE TO ME

 

i was wondering why my f9 scores all tanked in january, despite no derogatories or new accounts, and having paid down balances. i had a number of accounts reach 1 year old in january, i guess this is happening to me as well.

Message 2 of 27
privacyadvocate69
Contributor

Re: I hate Fico9


@Meanmchine wrote:

On Jan 13th I saw this on my Wells Fargo Fico Tracker

 

 

Screenshot 2023-01-13 at 10-17-02 FICO® Score.png

 

On Feb 1st, my AoYA hit one year old, a normal big Fico8 jump.  However, Fico9 continues to hate this milestone

 

 

Screenshot 2023-02-16 at 18-03-20 FICO® Score.png

 

This is not the first time this anomaly has happened to me

 

FIX FICO 9 ALREADY


Those scores are functionally the same. There isn't anything you'd qualify for with one that you would not qualify for with the other.

Message 3 of 27
Meanmchine
Super Contributor

Re: I hate Fico9


@difringe wrote:

OK SUDDENLY THINGS MAKE SENSE TO ME

 

i was wondering why my f9 scores all tanked in january, despite no derogatories or new accounts, and having paid down balances. i had a number of accounts reach 1 year old in january, i guess this is happening to me as well.


That's 2 votes to fix Fico9 ..... come join the party

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 4 of 27
Meanmchine
Super Contributor

Re: I hate Fico9


@privacyadvocate69 wrote:

@Meanmchine wrote:

On Jan 13th I saw this on my Wells Fargo Fico Tracker

 

 

Screenshot 2023-01-13 at 10-17-02 FICO® Score.png

 

On Feb 1st, my AoYA hit one year old, a normal big Fico8 jump.  However, Fico9 continues to hate this milestone

 

 

Screenshot 2023-02-16 at 18-03-20 FICO® Score.png

 

This is not the first time this anomaly has happened to me

 

FIX FICO 9 ALREADY


Those scores are functionally the same. There isn't anything you'd qualify for with one that you would not qualify for with the other.


Tell me this again when your 850 scores tank

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 5 of 27
difringe
Established Contributor

Re: I hate Fico9


@Meanmchine wrote:

@difringe wrote:

OK SUDDENLY THINGS MAKE SENSE TO ME

 

i was wondering why my f9 scores all tanked in january, despite no derogatories or new accounts, and having paid down balances. i had a number of accounts reach 1 year old in january, i guess this is happening to me as well.


That's 2 votes to fix Fico9 ..... come join the party


btw, is wells fargo still giving you reason codes? i couldn't find them when i checked, but pnc provided them when i checked there

Message 6 of 27
privacyadvocate69
Contributor

Re: I hate Fico9


@Meanmchine wrote:

@privacyadvocate69 wrote:

@Meanmchine wrote:

On Jan 13th I saw this on my Wells Fargo Fico Tracker

 

 

Screenshot 2023-01-13 at 10-17-02 FICO® Score.png

 

On Feb 1st, my AoYA hit one year old, a normal big Fico8 jump.  However, Fico9 continues to hate this milestone

 

 

Screenshot 2023-02-16 at 18-03-20 FICO® Score.png

 

This is not the first time this anomaly has happened to me

 

FIX FICO 9 ALREADY


Those scores are functionally the same. There isn't anything you'd qualify for with one that you would not qualify for with the other.


Tell me this again when your 850 scores tank


800 and up is all the same. I wouldn't care unless it dropped below 800 and put me in a different category.

 

My score isn't 850 anyway.

Message 7 of 27
Meanmchine
Super Contributor

Re: I hate Fico9


@privacyadvocate69 wrote:

@Meanmchine wrote:

@privacyadvocate69 wrote:

@Meanmchine wrote:

On Jan 13th I saw this on my Wells Fargo Fico Tracker

 

 

Screenshot 2023-01-13 at 10-17-02 FICO® Score.png

 

On Feb 1st, my AoYA hit one year old, a normal big Fico8 jump.  However, Fico9 continues to hate this milestone

 

 

Screenshot 2023-02-16 at 18-03-20 FICO® Score.png

 

This is not the first time this anomaly has happened to me

 

FIX FICO 9 ALREADY


Those scores are functionally the same. There isn't anything you'd qualify for with one that you would not qualify for with the other.


Tell me this again when your 850 scores tank


800 and up is all the same. I wouldn't care unless it dropped below 800 and put me in a different category.

 

My score isn't 850 anyway.


It takes alot of work to get an 850. 

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 8 of 27
Meanmchine
Super Contributor

Re: I hate Fico9


@difringe wrote:

@Meanmchine wrote:

@difringe wrote:

OK SUDDENLY THINGS MAKE SENSE TO ME

 

i was wondering why my f9 scores all tanked in january, despite no derogatories or new accounts, and having paid down balances. i had a number of accounts reach 1 year old in january, i guess this is happening to me as well.


That's 2 votes to fix Fico9 ..... come join the party


btw, is wells fargo still giving you reason codes? i couldn't find them when i checked, but pnc provided them when i checked there


Neither could I.  Fico 8 shows no reason codes

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 9 of 27
GZG
Valued Contributor

Re: I hate Fico9

so what everybody is really saying, is make sure you have at least one new account every year 

 

Smiley Wink

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Message 10 of 27
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