@Lechte wrote:
@Shogun wrote:I believe I've seen talk about it before too. Not sure, but maybe so. They keep us as in the dark on this as you.
I'm really curious about this. Do you think the big shots at myfico scan these forums and pay attention to some of the idea's here?
We have admins that are on the boards. I'm sure they use feedback to the powers that be on this sort of thing. I just hope if they do this, they use a different TU scoring model because the TU98 is just too outdated and not used.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:
@Lechte wrote:
@Shogun wrote:I believe I've seen talk about it before too. Not sure, but maybe so. They keep us as in the dark on this as you.
I'm really curious about this. Do you think the big shots at myfico scan these forums and pay attention to some of the idea's here?
We have admins that are on the boards. I'm sure they use feedback to the powers that be on this sort of thing. I just hope if they do this, they use a different TU scoring model because the TU98 is just too outdated and not used.
+10....while we're talkin about that....as far as CCC's are concerned....do most use the classic 04's of all 3 CB's? And do you know which specific CCC's use the EX 08 and EQ 04, if any?
EQ basically uses the same score model. Beacon 5.0.
Now EX's v2 is still the go to with mortgages, their newer model is being pulled for CCs. I know mine have matched perfectly with creditor pulls.
TU's 04 is still the standard in mortgages, but their 08 is more the go to CCs. I just wish they would simplify the whole thing just a bit.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Lechte wrote:
@Shogun wrote:EQ basically uses the same score model. Beacon 5.0.
Now EX's v2 is still the go to with mortgages, their newer model is being pulled for CCs. I know mine have matched perfectly with creditor pulls.
TU's 04 is still the standard in mortgages, but their 08 is more the go to CCs. I just wish they would simplify the whole thing just a bit.
EX v2 is the classic 04? Do most CCC's use EX 08...if they pull EX?
Yes, EX v2 is the same as the classic 04. I've found that my CCs were pulling the newer 08 however. I'm sure there are some that still pull the older one, but there's movement to the new one.
I really don't know anyone that still pulls TU's 98. There's probably a few of those out there, but I'm not aware of any popular creditors that use it. It's just too old.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I agree, but then again, you have to remember that myFICO can only sell what they allow them to sell. It's not just up to myFICO, it's also up to the CRAs. Remember EX wouldn't let myFICO sell their scores for awhile.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
