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Does anyone else miss Fico04?

Senior Contributor

Does anyone else miss Fico04?

I gained a few points when EQ transitioned to 08 on here, but I miss the consistency that I got with v04. 

 

What ever happened to 'Don't fix anything that isn't broken?' 

 

Nevermind, if they got it right the first time then someone would be out of a job Smiley Very Happy

8 REPLIES
Super Contributor

Re: Does anyone else miss Fico04?


azguy13 wrote:

I gained a few points when EQ transitioned to 08 on here, but I miss the consistency that I got with v04. 

 

What ever happened to 'Don't fix anything that isn't broken?' 

 

Nevermind, if they got it right the first time then someone would be out of a job Smiley Very Happy


well my opinion on that is you at least have access to eq04 still via EQ. More choices is better don't you think ???



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Moderator Emeritus

Re: Does anyone else miss Fico04?

No, I don't miss the older FICO Models. FICO 8 and I are deeply in love. lolSmiley Very Happy

Senior Contributor

Re: Does anyone else miss Fico04?


fused wrote:

No, I don't miss the older FICO Models. FICO 8 and I are deeply in love. lolSmiley Very Happy


Haha, do you have old collections or collections under $100? Those seem to be the main selling points. I still miss v04 though. 

Valued Contributor

Re: Does anyone else miss Fico04?

what does fico 08 consider old?

Moderator Emeritus

Re: Does anyone else miss Fico04?

Nope.  I've got my mortgage.  08 is more useful to me now.

Starting Score: 504
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.
Blogger

Re: Does anyone else miss Fico04?

I miss it dearly. I've got enough credit cards already; I'd rather keep track of my mortgage score.
Moderator Emeritus

Re: Does anyone else miss Fico04?


azguy13 wrote:

fused wrote:

No, I don't miss the older FICO Models. FICO 8 and I are deeply in love. lolSmiley Very Happy


Haha, do you have old collections or collections under $100? Those seem to be the main selling points. I still miss v04 though. 


All three of my CR's are squeaky clean.

 

26 year credit history

AAoA of 11+ years

Revolving util about 2%, but going down to 1% or less next month

No baddies

No inqs

No new accounts (last account opened in 10/11 to lease a car)

 

 

 

Valued Contributor

Re: Does anyone else miss Fico04?

I do.  I  lost 42 points when they changed to the 08 model.

FICO 08
TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 38.6k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15