@Renae156 wrote:
This morning I decided to call MyFico and ask if my score watch was reporting Fico 04 or 08. I was told that it was 08 and was a bit relieved that I wouldn't suddenly get an update that my score had plummeted. Not two hours later I got a score watch update that my score had changed. Signed in and my score went from 693 to 701!!!! It has been stuck bw 693 and 697 for months now so I am quite pleased that I broke 700 on my lowest score!!!! I'm not sure if the rep did change me over to 08 when I called or if it was just a coincidence, but whatever the case, I am thrilled!!!
excellent 
@Renae156 wrote:
This morning I decided to call MyFico and ask if my score watch was reporting Fico 04 or 08. I was told that it was 08 and was a bit relieved that I wouldn't suddenly get an update that my score had plummeted. Not two hours later I got a score watch update that my score had changed. Signed in and my score went from 693 to 701!!!! It has been stuck bw 693 and 697 for months now so I am quite pleased that I broke 700 on my lowest score!!!! I'm not sure if the rep did change me over to 08 when I called or if it was just a coincidence, but whatever the case, I am thrilled!!!
did you get an fresh credit report when they switched you over? Thats usually an sign that they switched you over , also you should have received an email saying that they are switching you over.
When i got switched over my score stayed exactly the same , just an smidge over 800 still :-)
Nope, I didn't get a fresh report or an email stating that I had been switched, just a score watch alert. It was just weird timing that my score finally moved right after I called and asked! Whatever the reason may be, I'll take it! Also, I'm a bit jealous of your 800s, congrats! I'm sure you worked hard for those and am hoping to be there in a few years
@Renae156 wrote:Nope, I didn't get a fresh report or an email stating that I had been switched, just a score watch alert. It was just weird timing that my score finally moved right after I called and asked! Whatever the reason may be, I'll take it! Also, I'm a bit jealous of your 800s, congrats! I'm sure you worked hard for those and am hoping to be there in a few years
it just takes time and patience . you will get there soon !!!
I went the other way. Mine was switched over today. 04 version is 699. 08 version is 683. Not the end of the world. Gives me another score to monitor now
@cem13 wrote:I had the same experience. My EQ score dropped 8 points and my TU score dropped 38 points after re-bucketing and new socring. Yikes.
When a lender gets a socre for an applicant, do they ask for a specific model score? or does FICO only give out one model score for each CRA?
They request an explicit algorithm and industry option from the bureau. There's on the order of 52 scores of which 18 are in common use to my knowledge so there's roughly 6 flavors from each CRA which'll likely be pulled in any given loan application.
@cem13 wrote:Is the lender required by law to tell the applicant what formula they are going to judge them on?
Sadly no: I wish they did. Some will state which one they pulled, and others we can pull from the score range (this is especially true with industry options) but a lot of lenders will just state your FICO score is blah, from the report data from <insert CRA name here> or something akin to that.
Occasionally we get enough matches to publically available scores that we can determine what a lender is pulling, outside of that though, it's anyone's guess currently.