@haulingthescoreup wrote:The credit bureaus have to sign off of having their scores sold here. It's not strictly up to FICO. (They're not called "FairIsaac" any more, btw, just FICO.)
If it were still up to FICO, we could still buy our EX FICO's here.
And that's also why we're still stuck with TU98.
I think that one of the background deciders is what the mortgage lenders pull. And they generally pull what Fannie Mae and Freddie Mac pull. They're still pulling Beacon 5.0 (EQ) and Experian 2.0, along with TU04, so that's why we have Beacon 5.0 here. If we still had EX, it would still be EX 2.0, I'll bet. And if TU would pull itself together, we'd have TU04.
Of course, having said that, we'll probably all wake up next Monday morning to find FICO08 scores here, and nothing else.
Shhhhhhhhhh!!!!!!