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Valued Contributor
Posts: 5,381
Registered: ‎04-30-2013

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 :smileyvery-happy:




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I
Super Contributor
Posts: 8,924
Registered: ‎06-19-2013

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 :smileyvery-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 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 4/21/15 819 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 5/7/15 791 Fako 808 Creditkarma 5/11/15
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007

Re: Does anyone else miss Fico04?

No, I don't miss the older FICO Models. FICO 8 and I are deeply in love. lol:smileyvery-happy:

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Valued Contributor
Posts: 5,381
Registered: ‎04-30-2013

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. lol:smileyvery-happy:


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




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I
Valued Contributor
Posts: 1,919
Registered: ‎10-24-2013

Re: Does anyone else miss Fico04?

what does fico 08 consider old?

Moderator
Posts: 13,869
Registered: ‎04-15-2011

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!
Blogger
Posts: 3,360
Registered: ‎10-19-2012

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
Posts: 16,375
Registered: ‎03-12-2007

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. lol:smileyvery-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)

 

 

 

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Valued Contributor
Posts: 1,752
Registered: ‎03-11-2009

Re: Does anyone else miss Fico04?

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

FICOS
TU 807 5/11/15
EX 808 4/17/15
EQ 832 5/7/15
NASA 30K / / Amex 20k / / Chase Freedom 10.6k// Venture 20K / / / / / SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps? Winners never quit, and quitters never win
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