05-24-2014 09:25 AM
05-24-2014 10:03 AM
I'm not an expert in this area, however I would say that the change to the 08 scoring model is very possible. I was switched to the 08 model about a week ago and had a 35 point increase. You should have received a notification (alert and e-mail, in my case) when changed to the 08 model, so if you did not receive such a notification, perhaps something else caused the spike. Either way, congreatulations!
05-24-2014 09:50 PM - edited 05-24-2014 09:51 PM
You'll get told when you get upgraded; both inside SW and I got an email too.
Regarding the anniversaries: those really should've already been factored in from SW assuming you've been using the service and been getting alerts.
There seems to be a hiccup or two with the conversions I'm thinking from some of the statements people have made (large drop and then a return to previous score with no real changes on the report) but beyond that I'm not certain. FICO '08 does seem to have more granular scoring than FICO '04 when it comes to number of tradelines with a balance reporting... sounds about right on those 2 points if you stepped over one of the step-function boundaries.