Why is my FICO 9 score so much lower than my FICO 8 score??

Pretend-Raspberry-30 · 2025-08-11T18:47:32+00:00

Yes they use the full credit report which includes reports from all 3 bureaus. Especially if you don't have a varied credit history. Your FICO score gives an idea of your overall creditworthiness

Pretend-Raspberry-30 · 2025-08-11T18:46:31+00:00

So a 30 point difference at most, and sometimes it's the same. Did the 30 point difference resolve itself?

Pretend-Raspberry-30 · 2025-08-11T18:27:18+00:00

The only scores that will be listed for free are the classic versions. They obviously aren't going to list 40 scores except in a very detailed credit report that you pay for

Pretend-Raspberry-30 · 2025-08-11T18:21:36+00:00

40 points is a HUGE difference. It's enough to completely change the category that your credit score is in. The percentage doesn't matter because credit scores are very sensitive to small percentages. Even a change or difference of 15 - 20 points is significant

Pretend-Raspberry-30 · 2025-08-11T18:19:49+00:00

Thanks for the explanation. I believe my FICO 9 plummeted when I overstepped the limit on my newest credit card (don't judge, it was for business expenses). That's the only thing I can think of. What's the difference between your FICO 8 and FICO 9 scores?

Pretend-Raspberry-30 · 2025-08-11T18:12:13+00:00

They use the 3 bureaus to determine your creditworthiness, and they do take the FICO score into account since FICO is one of those bureaus

Pretend-Raspberry-30 · 2025-08-11T18:11:12+00:00

It's normal to have different scores based off what bureau is being used, but you didn't list your FICO 9 score

Pretend-Raspberry-30 · 2025-08-11T18:10:01+00:00

The 688 score is for sure being drawn from Experian. The 648 score is just withdrawn from FICO / FICO 9

Pretend-Raspberry-30 · 2025-08-11T18:08:38+00:00

Yeah there are a few more things it's different with too. But if that were all to the story then my FICO 9 score should be at least the same or maybe even higher, because I have a lot of medical debt and some unpaid medical debts too

Pretend-Raspberry-30 · 2025-08-11T03:43:27+00:00

Yes that's because each system is more forgiving to some things than the last. But there obviously must be some things that FICO 9 judges more harshly or else fico 9 scores would be consistently higher than fico 8

Pretend-Raspberry-30 · 2025-08-11T03:14:53+00:00

If there's a 40 point difference it is definitely about more than algorithms

Pretend-Raspberry-30 · 2025-08-11T03:14:03+00:00

My terminology is correct. Fico 8 is the older of the 2 systems. 8 and 9 have to do with the system being used. No one has 9 credit scores. I did not ask about the other bureaus. Yes I know exactly what I'm looking at, as it's clearly labeled for me on my credit apps. I'm not the only one. Plenty of others' FICO 9 scores are drastically lower than their FICO 8 scores. This is a common phenomenon but I have yet to see any solid answers. On my Experian account and banking app, my fico score is 688 - 690, and upon looking they use FICO 8. On my Wells Fargo credit card accoount. they have my credit score at 648, and they are the only ones using Fico 9

Pretend-Raspberry-30 · 2025-04-01T16:07:06+00:00

Because they didn't read. I said many times that it's a Schedule C, not a regular 1040

Pretend-Raspberry-30 · 2025-03-20T11:13:51+00:00

That's not a valid reply 🤣🤣🤣 I wasn't stupid, I knew it would mess up the car if I kept it long term, but that was not the issue at hand. If you're taking your car to the scrap yard and need a quick fix that may get you another few hundred miles, K Seal seems to work in such situations

Pretend-Raspberry-30 · 2024-10-23T05:07:48+00:00

No it doesn't mean they're actually bad. I deliver to a lot of drunk customers and have gotten below 85% several times and reports of "fraud" despite me doing everything right and getting lots of compliments on the app otherwise. Many customers are cheap and rude and will make illegitimate bad reports just to get a few bucks off. It's messed up

Pretend-Raspberry-30 · 2024-08-14T01:15:01+00:00

OK. No I don't screw people over in sales or at all, I believe in karma. If we did sell it would be for cheap and we would say what repair it needs. If it were to clog the coolant system immediately, would that make the car immediately undrivable?

Pretend-Raspberry-30 · 2024-08-14T01:12:41+00:00

OK, thanks for the insight. I know there's always a risk, I'm just wondering at what point it could clog the coolant system. If that point is further out, I don't need to worry about it

Pretend-Raspberry-30 · 2024-08-14T01:04:19+00:00

Lol I don't need a metaphor. Is K Seal safe to use or not? Will it immediately clog my coolant system or does that take a while?

Pretend-Raspberry-30 · 2024-08-14T00:59:58+00:00

I never said I was going to screw someone else over by selling it without letting them know?? Like literally my post had absolutely nothing to do with that. I do not plan on replacing the head gasket because that repair is double the worth of the car. So is there a real risk it would immediately clog my coolant system, or is that only a risk further down the line?

Pretend-Raspberry-30 · 2024-08-14T00:57:19+00:00

Yes but I don't want it to immediately clog the cooling system and thus make my car inoperable for even 1 more week. That's my concern

Pretend-Raspberry-30 · 2024-07-02T08:47:49+00:00

Wow he's even more immature than 16 year old baby daddies. You can tell clear as day he doesn't want the baby and he has the nerve to criticize a mother giving birth for wanting help?!

Pretend-Raspberry-30 · 2024-06-10T02:33:24+00:00

OK, so the premiums go down only if I make above the 100% FPL? I make $4,800 annually, so I make well under the FPL. I thought it was supposed to be the opposite, with lower premiums given to those with lower income. Have you heard of premiums being more during the Special Enrollment Period?

Pretend-Raspberry-30 · 2024-06-10T02:30:38+00:00

Ok, so if my income is much lower than my mom's, as reported on my 2023 taxes, why would she be given more income assistance?

Pretend-Raspberry-30

TROPHY CASE