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Since a lot of us Score Watch subscribers have been switched to FICO 08, let's put our heads together to figure out the percentile chart for this newer scoring model.
I'll go first. Please add your scores in ascending order and percentiles.
744 - 61%
Updated 8/24/14:
575 - 20%
589 - 22%
596 - 24%
617 - 27%
618 - 28%
638 - 32%
648 - 34%
649 - 34%
650 - 34%
651 - 34%
653 - 35%
654 - 35%
661 - 36%
669 - 38%
670 - 38%
672 - 39%
673 - 39%
674 - 39%
675 - 39%
677 - 40%
678 - 40%
680 - 41%
681 - 41%
682 - 41%
683 - 41%
689 - 43%
695 - 45%
699 - 46%
700 - 46%
701 - 47%
702 - 47%
703 - 47%
713 - 50%
717 - 51%
718 - 52%
719 - 52%
720 - 52%
736 - 58%
744 - 61%
747 - 62%
756 - 65%
759 - 66%
760 - 67%
761 - 67%
762 - 67%
767 - 69%
773 - 71%
776 - 73%
779 - 74%
781 - 75%
782 - 75%
790 - 79%
792 - 80%
798 - 82%
801 - 84%
807 - 87%
809 - 89%
812 - 90%
841 - 99%
843 - 100%
850 - 100%
i wil be canceling this service, have had it since early 2012. Just did a tri merge report for a home loan yesterday and all 3 scores were 710-745. This new scoring model shows me at a 635, it says short history... only 15 years and 40+ good accounts. 1 negitive account from 5 years ago. this scoring is a joke.
@Sarabehm wrote:i wil be canceling this service, have had it since early 2012. Just did a tri merge report for a home loan yesterday and all 3 scores were 710-745. This new scoring model shows me at a 635, it says short history... only 15 years and 40+ good accounts. 1 negitive account from 5 years ago. this scoring is a joke.
Just because it says 'short history' does not mean that is the reason your score is lower than you expected. Scorewatch is known to provide strange statements like that. Whether you cancel or not, the scoring will not change.
I understand that, i just called to cancel and the guy that we talked to say "yea this new system isnt right" because yesterdays score watch alert for the inquiry was 748 and now its in the 630s.... I don't think so. This score is no longer relevent to us. the tri-merged scores were very close to the old FICO scores. but now they are 100+ points off and the new truck my husband bought used auto enhanced scores that were in the 760s....
they need to rethink this scoring model thats why transunion's vantage score is taking off with some of the credit unions we use
@HiLine wrote:Since a lot of us Score Watch subscribers have been switched to FICO 08, let's put our heads together to figure out the percentile chart for this newer scoring model.
I'll go first. Please add your scores in ascending order and percentiles.
744 - 61%
798 -- 82%
(I just got the update to '08 today, and after all that anticipation and wondering, my score didn't change by a single point. My profile is: long, long history, AAoA 13 years, 6% overall util (but three cards of six reporting right now, darnit!), no mortgage or other installment loans, credit cards only, never a missed payment, no baddies.)
@Sarabehm wrote:i wil be canceling this service, have had it since early 2012. Just did a tri merge report for a home loan yesterday and all 3 scores were 710-745. This new scoring model shows me at a 635, it says short history... only 15 years and 40+ good accounts. 1 negitive account from 5 years ago. this scoring is a joke.
So what is your Score Watch percentile?
Since a lot of us Score Watch subscribers have been switched to FICO 08, let's put our heads together to figure out the percentile chart for this newer scoring model.
I'll go first. Please add your scores in ascending order and percentiles.
744 - 61%
798 - 82%
809 - 89%
@Anonymous-own-fico wrote:
If I'm not part of the 100%, then what?
That is awesome!!! Can I borrow a few of those points?