Any Walmart Confirmation Yet?

[CS800]

Also what's the difference between tu04 and tu08?

[MarineVietVet]

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@CS800 wrote:

MV:

Does myFICO have free will to choose which TU they will sell or is it dictated by TU themselves?

It would be good to know if myfico has some market intel as to what % of the different versions are currently being used by lenders etc.

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I would think that if it were up to myFICO the newer and most widely used versions would be sold. But I could be wrong.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[MarineVietVet]

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@CS800 wrote:

Also what's the difference between tu04 and tu08?

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Here are a few differences:

* Although FICO08 doesn't exclude any AU's what is does differently from prior models is it scores AU TL's in a slightly different manner than joint or individual TL's. As a result, for example, if all of your TL"s are AU's, you're not likely to score as high as if the same TL's were jont/individual.

* FICO08 is more lenient toward the rare missed payment. A one time mis-happening in terms of delinquency doesn’t penalize the score as much compared to previous models. The flip side is that if that happens quite often they actually get penalized more than in the previous versions.

* FICO08 ignores small debts in collections and PR’s that have an original balance of less than $100.

* The new FICO score is more sensitive to high credit usage than earlier models. In other words if you max out your cards your FICO score will lose more points than it would have in the past.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".