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Is there a big difference between the two? My lender is using Experian Classic v02 (I think that is 04) and I read myFico uses 08.
A couple of changes in the score the number days on student, auto and mortgages is increased from 14 to 30 days is now treated as a single inquiry. The treatment of authorized user accounts while still included in the socre the impact on the score may not be as great in certain cases. Those are acouple of the changes.
@chunkymonkey wrote:Is there a big difference between the two? My lender is using Experian Classic v02 (I think that is 04) and I read myFico uses 08.
http://www.myfico.com/crediteducation/questions/fico8.aspx
Collections under 100 bucks are ignored in 08, AUs treated differently, isolated lates aren't as damaging, UTIL weighed more heavily.