@egaithe wrote:Yeah, but why an older model that has different algorithms or criteria which could impact their credit picture. I'm assuming older models have lower scores. Oh wait, to make more money......
DCU provides a free EQ FICO 04 monthly and mine is consistently a few points higher then my EQ FICO 08 on the same day.
You can't say "Model A" is consistently higher or lower then "Model B" because each model weights different factors diferently. So, it depnds on your overall profile if those scores will be higher or lower.