Understood.  I highly doubt you would find any kind of correlation that said your TU98 would always be 12 points lower than your TU04 or vice versa.  If so, it would be an awfully stupid endeavor to create a new formula.

 

But it would be interesting to know if the two were always within 15 points of each other one way or the other for 95% of people or something like that.  Or if you could say that for profiles that do not have AU accounts, they are closer, or for profiles that do not have charge cards, they are closer. 

 

But I say if the spread is in the 30 point range, then we might was well start calling TU98 a FAKO.  Unless, of course, there are a significant number of lenders still using this model.

FYI, My TU04 from discover denial letter is 13 points higher than TU98 (747/734)

I believe new version favor more on very low UTI%( less than 7-9%). Utilizing more than 9% will likely result in lower TU04 than TU98. 

As been noted before the dedup time frame in FICO 04 was increased. I read another post on this forum where the poster had posted the TU socre model information from TU. There is not that much difference, the number of scorecards are the same. Some will benefit from the update some will not this can be said about every score model that comes out.

Well, I just received my free TU FICO from my Walmart card and it is 28 points higher (730) than the one I paid for on 6/22 from here. I know myFICO still uses the older version, so given all the circumstances I feel I got a bargain AND a more "accurate" score in terms of a more up-to-date model.

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bigtim wrote:

Well, I just received my free TU FICO from my Walmart card and it is 28 points higher (730) than the one I paid for on 6/22 from here. I know myFICO still uses the older version, so given all the circumstances I feel I got a bargain AND a more "accurate" score in terms of a more up-to-date model.

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Does anybody know for sure what version Walmart uses? 

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visorboy1974 wrote:

 

Does anybody know for sure what version Walmart uses? 

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That is still being looked into.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

I just got a denial from us bank. TU04 621 Dakota here is 565. BIG DEFERENCE! I want to buy a house so that is a significant gap!

*fako ...spell check turned it into Dakota

My fico TU 650 and Walmart TU 619 . I have no idea what was wrong lol. I paid for my fico on 11/15 and received Walmart store card afternoon . Checked same day but 31pt away. God know this 

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determinedtoown wrote:
I just got a denial from us bank. TU04 621 Dakota here is 565. BIG DEFERENCE! I want to buy a house so that is a significant gap!

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If you're looking for mortage, MyFICO's Score Watch service provides scores based on a model used by most mortgage lenders.