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Mortgage Fico Score VS. Fico 08

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Revelate
Moderator Emeritus

Re: Mortgage Fico Score VS. Fico 08


@tufa4311 wrote:

Thanks Rev...I don't know how many times I have read on this site that you can not get the FICO 04


Yeah, the only other place I'm aware of is DCU membership which is how I solved my own needs.  Believe me I'm still fustruated with the change here, little forethought and FICO consumer would've ruled the pay-for-creditscore industry but it's possible they wanted the recurring revenue monitoring solution and EX/TU refused to play ball with the older scores.  Hard to say and I never got an answer even unofficially what the reasons were other than they had some.




        
Message 11 of 21
tufa4311
Established Contributor

Re: Mortgage Fico Score VS. Fico 08

Has anyone on here ever compared the 04 they got from Score Watch (edit: I meant Score Power) against the hard pull from thier mortgage broker?

796 TU FICO 08 (08/2018)
758 TU FICO 08 (01/12/2016)
753 TU FICO 08 (11/21/2015)
740: EQ Score Power (Beacon 5.0) FICO 04 (01/23/2015)
755 TU FICO 08 (01/21/2015)
652 TU Lender Pull (06/10/2014)
665 TU FICO 08 (05/21/2014)
Goal: 800+
Message 12 of 21
Revelate
Moderator Emeritus

Re: Mortgage Fico Score VS. Fico 08


@tufa4311 wrote:

Has anyone on here ever compared the 04 they got from Score Watch against the hard pull from thier mortgage broker?


Equifax Scorewatch?  Have seen very recent comparisons from Equifax Score Power and it matched.  I would assume the Equifax Scorewatch does to.

 

myFICO Scorewatch does not match.




        
Message 13 of 21
tufa4311
Established Contributor

Re: Mortgage Fico Score VS. Fico 08

So then why are we doing this? (see my other post)

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-Scoring-Differences/td-p/3755197

 

796 TU FICO 08 (08/2018)
758 TU FICO 08 (01/12/2016)
753 TU FICO 08 (11/21/2015)
740: EQ Score Power (Beacon 5.0) FICO 04 (01/23/2015)
755 TU FICO 08 (01/21/2015)
652 TU Lender Pull (06/10/2014)
665 TU FICO 08 (05/21/2014)
Goal: 800+
Message 14 of 21
Revelate
Moderator Emeritus

Re: Mortgage Fico Score VS. Fico 08


@tufa4311 wrote:

So then why are we doing this? (see my other post)

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-Scoring-Differences/td-p/3755197

 


Already answered Smiley Happy




        
Message 15 of 21
tufa4311
Established Contributor

Re: Mortgage Fico Score VS. Fico 08

Indeed!

 

(it sort of feels like the beginning of the end...)

 

Don't get me wrong, this board is awesome and it helped me drop my one late but I don't think I'll be pulling my numbers from here any further. I already get 08's free from Discover and Barclay)

 

Ok, come on, send me all the hits for saying it, I can take it Smiley Happy

796 TU FICO 08 (08/2018)
758 TU FICO 08 (01/12/2016)
753 TU FICO 08 (11/21/2015)
740: EQ Score Power (Beacon 5.0) FICO 04 (01/23/2015)
755 TU FICO 08 (01/21/2015)
652 TU Lender Pull (06/10/2014)
665 TU FICO 08 (05/21/2014)
Goal: 800+
Message 16 of 21
tufa4311
Established Contributor

Re: Mortgage Fico Score VS. Fico 08

All of you got me addicted to having good credit - bad! (not really, but you know what I mean)

796 TU FICO 08 (08/2018)
758 TU FICO 08 (01/12/2016)
753 TU FICO 08 (11/21/2015)
740: EQ Score Power (Beacon 5.0) FICO 04 (01/23/2015)
755 TU FICO 08 (01/21/2015)
652 TU Lender Pull (06/10/2014)
665 TU FICO 08 (05/21/2014)
Goal: 800+
Message 17 of 21
HiLine
Blogger

Re: Mortgage Fico Score VS. Fico 08

How is this information not stickied? The same question has been asked at least a hundred times on this board.... Smiley Sad

Message 18 of 21
Revelate
Moderator Emeritus

Re: Mortgage Fico Score VS. Fico 08


@HiLine wrote:

How is this information not stickied? The same question has been asked at least a hundred times on this board.... Smiley Sad


We'll consider it, I did get some feedback that FICO has heard the complaints that we've been making but that's it so far.  I agree the situation is not good at the moment.




        
Message 19 of 21
Anonymous
Not applicable

Re: Mortgage Fico Score VS. Fico 08

EQ power score is FICO 04 aka mortgage score! I pulled mine the very same day I had a lender pull mine actually with in minutes.. 

Message 20 of 21
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