F10

Not sure I saw anywhere else this was posted, but Injust grabbed me and SO's F10s and it was really eye-opening! I thought F9s hated, well, F10 takes the cake! SO, they dont hate him so much and are a little more in line with F8s, but not totally ... Screenshot_20220401-221436_myFICO.jpg Screenshot_20220401-221455_myFICO.jpg My F10T Screenshot_20220401-221505_myFICO.jpg Screenshot_20220401-221514_myFICO.jpg Screenshot_20220401-221556_myFICO.jpg Screenshot_20220401-221604_myFICO.jpg Screenshot_20220401-221613_myFICO.jpg Screenshot_20220401-221622_myFICO.jpg Maybe CC util has been trending uoward the past 3 months (or up and down and up again), playing around with balances, so maybe that was partially cause for the big blow on Trended scores. Not sure. Anyone else care to share? Birdman BrutalBodyShots Slabenstein AllZero Saeren Cassie Bbcatcher Kkboom SoonerSoldier33 ToxikPH And of course to any one else I may have missed!
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F10

1 of 50
2 years ago
Fri Apr 01, 2022 10:22 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 21 hours, and 53 minutes Next Level in1 day, 2 hours, and 7 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 21 hours, and 53 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 21 hours, and 53 minutes ago
Not sure I saw anywhere else this was posted, but Injust grabbed me and SO's F10s and it was really eye-opening! I thought F9s hated, well, F10 takes the cake! SO, they dont hate him so much and are a little more in line with F8s, but not totally ...
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My F10T
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Maybe CC util has been trending uoward the past 3 months (or up and down and up again), playing around with balances, so maybe that was partially cause for the big blow on Trended scores. Not sure. Anyone else care to share? @Birdman @BrutalBodyShots @Slabenstein @AllZero @Saeren @Cassie @Bbcatcher @Kkboom @SoonerSoldier33 @ToxikPH And of course to any one else I may have missed!
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: F10

2 of 50
2 years ago
Fri Apr 01, 2022 10:26 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 21 hours, and 53 minutes Next Level in1 day, 2 hours, and 7 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 21 hours, and 53 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 21 hours, and 53 minutes ago
For reference: Mine and SO's F8s and F9s
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My
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LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: F10

3 of 50
2 years ago
Fri Apr 01, 2022 10:40 pm
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Justaguy
Seasoned Rebel
Justaguy has been gardening for over 2 years.
Level33 Last INQTuesday, November 16, 2021 Gardening For2 years, 9 months, 22 days, 21 hours, and 53 minutes Next Level in8 days, 2 hours, and 7 minutes on September 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 9 months, 22 days, 21 hours, and 53 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached9 months, 22 days, 21 hours, and 53 minutes ago
They’re finally out? Nice! Thanks for the heads up! Imma head over and grab mine now.
Justaguy
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  • Score data EQ8: 806 TU8: 841 EX8: 810
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Re: F10

4 of 50
2 years ago
Fri Apr 01, 2022 10:43 pm
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AllZero
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AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 21 hours, and 53 minutes Next Level in18 days, 2 hours, and 7 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 21 hours, and 53 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 21 hours, and 53 minutes ago
@LaHossBoss Thanks for the tip and sharing the information!
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Re: F10

5 of 50
2 years ago
Fri Apr 01, 2022 10:54 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 21 hours, and 53 minutes Next Level in1 day, 2 hours, and 7 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 21 hours, and 53 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 21 hours, and 53 minutes ago
@Justaguy @AllZero No problem! Feel free to share if you are comfortable with it! I am so curious to know how much it varies for others!
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: F10

6 of 50
2 years ago
Fri Apr 01, 2022 10:54 pm
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 21 hours, and 53 minutes Next Level in15 days, 2 hours, and 7 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 2 hours, and 7 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 2 hours, and 7 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 2 hours, and 7 minutes
Oh damn... I guess it's time for me to make OG male roommate get his own card so he's not messing up my utilization!
Saeren
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  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
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Re: F10

7 of 50
2 years ago
Fri Apr 01, 2022 10:57 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 21 hours, and 53 minutes Next Level in1 day, 2 hours, and 7 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 21 hours, and 53 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 21 hours, and 53 minutes ago
Saeren wrote: ↑Fri Apr 01, 2022 10:54 pm Oh damn... I guess it's time for me to make OG male roommate get his own card so he's not messing up my utilization!
Right? Looks like we got hit hard for having higher utilization over the past 3-4 months. It probably did not help that prior to then, we had AZEO reporting for the better part of the past 2 years. So, I guess that means we have trending upward debt....
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: F10

8 of 50
2 years ago
Fri Apr 01, 2022 11:12 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 21 hours, and 53 minutes Next Level in6 days, 2 hours, and 7 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 21 hours, and 53 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 21 hours, and 53 minutes ago
LaHossBoss wrote: ↑Fri Apr 01, 2022 10:57 pm
Saeren wrote: ↑Fri Apr 01, 2022 10:54 pm Oh damn... I guess it's time for me to make OG male roommate get his own card so he's not messing up my utilization!
Right? Looks like we got hit hard for having higher utilization over the past 3-4 months. It probably did not help that prior to then, we had AZEO reporting for the better part of the past 2 years. So, I guess that means we have trending upward debt....
Thanks for posting that @LaHossBoss !
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: F10

9 of 50
2 years ago
Fri Apr 01, 2022 11:17 pm
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 21 hours, and 53 minutes Next Level in15 days, 2 hours, and 7 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 2 hours, and 7 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 2 hours, and 7 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 2 hours, and 7 minutes
LaHossBoss wrote: ↑Fri Apr 01, 2022 10:57 pm
Saeren wrote: ↑Fri Apr 01, 2022 10:54 pm Oh damn... I guess it's time for me to make OG male roommate get his own card so he's not messing up my utilization!
Right? Looks like we got hit hard for having higher utilization over the past 3-4 months. It probably did not help that prior to then, we had AZEO reporting for the better part of the past 2 years. So, I guess that means we have trending upward debt....
Yeah my debt went up almost $2200 in the last two months between my $600 phone, some Amazon spending, and OG male roommate's $1350 on my cashRewards. I am curious about the new scores but not $20 curious.
Saeren
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Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
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Re: F10

10 of 50
2 years ago
Sat Apr 02, 2022 12:12 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 21 hours, and 53 minutes Next Level in15 days, 2 hours, and 7 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 21 hours, and 53 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 21 hours, and 53 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 21 hours, and 53 minutes ago
Thanks for the info, @LaHossBoss . I'll grab mine over there in the next couple of days. I wonder if a utilization change trend matters, or if it has to do with balance carrying. If one is a Transactor, I would hope that the algorithm "sees" that and doesn't penalize upward utilization trends. For example, if someone has just 1 credit card with a $1000 limit for the sake of discussion... say they cut a statement with a $50 balance, PIF. The next month $100, PIF. Then $200, PIF, etc. Outside of the penalty associated with the higher reported utilization which would of course hurt on this single-card profile, I think it would be a bit messed up of F10 penalized the higher reported utilization so long as it was still being PIF monthly.
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Re: F10

11 of 50
2 years ago
Sat Apr 02, 2022 2:04 am
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Justaguy
Seasoned Rebel
Justaguy has been gardening for over 2 years.
Level33 Last INQTuesday, November 16, 2021 Gardening For2 years, 9 months, 22 days, 21 hours, and 53 minutes Next Level in8 days, 2 hours, and 7 minutes on September 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 9 months, 22 days, 21 hours, and 53 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached9 months, 22 days, 21 hours, and 53 minutes ago
Saeren wrote: ↑Fri Apr 01, 2022 11:17 pm
LaHossBoss wrote: ↑Fri Apr 01, 2022 10:57 pm
Saeren wrote: ↑Fri Apr 01, 2022 10:54 pm Oh damn... I guess it's time for me to make OG male roommate get his own card so he's not messing up my utilization!
Right? Looks like we got hit hard for having higher utilization over the past 3-4 months. It probably did not help that prior to then, we had AZEO reporting for the better part of the past 2 years. So, I guess that means we have trending upward debt....
Yeah my debt went up almost $2200 in the last two months between my $600 phone, some Amazon spending, and OG male roommate's $1350 on my cashRewards. I am curious about the new scores but not $20 curious.
You might not have to shell out. If you happen to have any reports on MF from the month of March, they have probably been retroactively modified to include Score 10. Mine were.
Justaguy
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  • Score data EQ8: 806 TU8: 841 EX8: 810
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Re: F10

12 of 50
2 years ago
Sat Apr 02, 2022 2:19 am
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Justaguy
Seasoned Rebel
Justaguy has been gardening for over 2 years.
Level33 Last INQTuesday, November 16, 2021 Gardening For2 years, 9 months, 22 days, 21 hours, and 53 minutes Next Level in8 days, 2 hours, and 7 minutes on September 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 9 months, 22 days, 21 hours, and 53 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached9 months, 22 days, 21 hours, and 53 minutes ago
LaHossBoss wrote: ↑Fri Apr 01, 2022 10:54 pm @Justaguy @AllZero No problem! Feel free to share if you are comfortable with it! I am so curious to know how much it varies for others!
Here are my 8/9/10/10T by bureau: EQ: 797/822/798/799 TU: 834/850/794/801 (TU8 and 9 started ignoring my 30D when it hit 49 mo. The 10's still see it.) EX: 799/812/tbd/tbd
Justaguy
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  • Score data EQ8: 806 TU8: 841 EX8: 810
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Re: F10

13 of 50
2 years ago
Sat Apr 02, 2022 2:36 am
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 21 hours, and 53 minutes Next Level in15 days, 2 hours, and 7 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 2 hours, and 7 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 2 hours, and 7 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 2 hours, and 7 minutes
Justaguy wrote: ↑Sat Apr 02, 2022 2:04 am
Saeren wrote: ↑Fri Apr 01, 2022 11:17 pm
LaHossBoss wrote: ↑Fri Apr 01, 2022 10:57 pm Right? Looks like we got hit hard for having higher utilization over the past 3-4 months. It probably did not help that prior to then, we had AZEO reporting for the better part of the past 2 years. So, I guess that means we have trending upward debt....
Yeah my debt went up almost $2200 in the last two months between my $600 phone, some Amazon spending, and OG male roommate's $1350 on my cashRewards. I am curious about the new scores but not $20 curious.
You might not have to shell out. If you happen to have any reports on MF from the month of March, they have probably been retroactively modified to include Score 10. Mine were.
I have only paid for MF once for a single month. I don't find value enough in it to have it ongoing.
Saeren
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  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
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Re: F10

14 of 50
2 years ago
Sat Apr 02, 2022 3:56 am
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 21 hours, and 53 minutes Next Level in1 day, 2 hours, and 7 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 21 hours, and 53 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 21 hours, and 53 minutes ago
Just in case you all didnt know. They just showed up. I didnt need to pay for another report. Just click on other scores and all the F10 versions are there. @BrutalBodyShots @Saeren
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: F10

15 of 50
2 years ago
Sat Apr 02, 2022 9:19 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 21 hours, and 53 minutes Next Level in15 days, 2 hours, and 7 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 21 hours, and 53 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 21 hours, and 53 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 21 hours, and 53 minutes ago
Due to some glitch I get free 28 scores from that place whenever I ask. Just waiting for some balances to update on a couple of accounts and I'll grab the 28 again within the next week.
BrutalBodyShots
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Re: F10

16 of 50
2 years ago
Tue Apr 05, 2022 4:13 pm
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 21 hours, and 53 minutes Next Level in15 days, 2 hours, and 7 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 2 hours, and 7 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 2 hours, and 7 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 2 hours, and 7 minutes
Well in case anyone was wondering, the single bureau product doesn't have the new scores despite FICO advertising "10 scores" on their promo offers.
Screenshot_2022-04-05-12-45-57-88_40deb401b9ffe8e1df2f1cc5ba480b12.jpg 225.77 KiB Viewed 222 times
I signed up for that and have access to my other Experian scores but not the 10/10T so I currently have an email in to them to find out about getting them. Really don't want to spend $30 on them but if that's what it takes, I might do it. I am undecided. I have a $100 credit balance on my PNC card for them finally paying me the bonus they owed me for spending $500 so it will technically not actually cost me anything either way but a $95 Amazon reload sounds much better than a $70 one regardless. Since my reports have largely the same info on each bureau, I doubt there would be enough variance between the bureaus to warrant paying the extra money if I can help it. I just wanted to see how many points male roommate's spending is costing me.
Saeren
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  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
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