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Did everyone get the upgrade?

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EddieK
Established Contributor

Re: Did everyone get the upgrade?

Just got the upgraded e-mail this afternoon.  Logged on and got a 22 point increase with the model change...good stuff.  Hope others receive good news rather than a decrease too.

Starting Scores:
1/19/14:

1/28/14:
2/12/14:
Current Scores:
7/10/19:
12/17/16:
9/05/17:
Message 11 of 35
mongstradamus
Super Contributor

Re: Did everyone get the upgrade?


@EddieK wrote:

Just got the upgraded e-mail this afternoon.  Logged on and got a 22 point increase with the model change...good stuff.  Hope others receive good news rather than a decrease too.


Gratz on the bump !! i see most people getting increases i got nothing from mine nothing up nothing down. I think may be only person that it didn't go up or down lol



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 12 of 35
EW800
Valued Contributor

Re: Did everyone get the upgrade?

I was a lucky one as well.  I was moved to the 08 model earlier this week and got a 35 point increase, and then this morning I got an alert of another 2 point increase becasue of a CC payment posting.  

 

There is sure a difference in the different models.  I was at 675 on the EQ 98 model.  I am now 712 on the  EQ 08 model.  A couple of days ago I paid for the 04 model through EQ and it is 675.  They can sure vary.  I was not too surprised to see the 04 model being so low, as I recovering from a foreclosure and I know the mortgage lenders like to pull 04.  I am guessing that the 04 model weighs a bit heavier in regard to the mortgage trade lines??

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 13 of 35
Kennie02
Frequent Contributor

Re: Did everyone get the upgrade?

I am still waiting for the upgrade. I don't want to call because I am chicken! I am afraid my score will go down (it shouldn't because my util is way down). Getting a bit anxious with the wait. Does anyone know if there is a timeline for when everyone should be upgraded? By the end of the month or something? 

NFCU cash $50k | BofA Cash Rewards $35k | USAA Rate Advantage $20K | Amex BCP $18k| Costco Anywhere $18.5k | Amex HH Surpass $15k | BofA $14k | WF $14k | Apple Card $6.5k | Cap One QS $4.5k | Sephora Visa $4k | Discover It $8.5k | Citi DC $3.5k | Citi AA Mile Up $5.1k | Chase Amazon $3k | Amex ED $3k | Chase IHG $3k | Chase Freedom Unlimited $4k | Chase Freedom $2.5k | Citi Rewards $2k | Last HP 7/28/25
Starting score 09/2013: 530 Current FICO 8:
Credit Age:
New Accounts:
Inq (6/12/24M):
Message 14 of 35
Revelate
Moderator Emeritus

Re: Did everyone get the upgrade?


@Kennie02 wrote:

I am still waiting for the upgrade. I don't want to call because I am chicken! I am afraid my score will go down (it shouldn't because my util is way down). Getting a bit anxious with the wait. Does anyone know if there is a timeline for when everyone should be upgraded? By the end of the month or something? 


I'm guessing by mid/end of June.  They're doing it in batches and only recently started accelerating their rate of conversions.  I suspect we'll see a big batch once or maybe twice a week: they're playing safety bear on this implementation which I can't fault them for as it's undoubtedly corporate procedure for far more than just FICO's consumer division.




        
Message 15 of 35
thom02099
Valued Contributor

Re: Did everyone get the upgrade?

Just got a notification this afternoon....AND a bump in score of 33 points upward to 783!!

 

 

Message 16 of 35
HiLine
Blogger

Re: Did everyone get the upgrade?

So they "upgraded" our scores to a near useless scoring model? I am enraged.
This model change also screwed up my efforts to monitor my scores to figure out the algorithm.
Message 17 of 35
growing123
Regular Contributor

Re: Did everyone get the upgrade?

What if you signed up for SW in April?  Are you automatically getting the newer version?

Starting Scores - Mid 500s - 10/2013

EX 706 (FICO 9/15) | EQ 710 (FICO 9/15) | TU 716 (FICO 9/15)

Quicksilver $12.8K | Freedom $1.5k | Discover It $11.5k | VS $1.2k | AMEX BCE $10k | Fidelity AMEX $10k | US Cash+ $9k | Citi DC $6.6k
Message 18 of 35
BluePoodle
Valued Contributor

Re: Did everyone get the upgrade?

I haven't noticed a change in mine, nor have I received an email stating I was changed. I don't see the point really in the change. Unless places are using it.  My TU from Discover It is very close to the current model of MyFico, so I hope I don't get upgraded for a while since that seems to be the more relevant score.

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
Message 19 of 35
mongstradamus
Super Contributor

Re: Did everyone get the upgrade?


@BluePoodle wrote:

I haven't noticed a change in mine, nor have I received an email stating I was changed. I don't see the point really in the change. Unless places are using it.  My TU from Discover It is very close to the current model of MyFico, so I hope I don't get upgraded for a while since that seems to be the more relevant score.


FWIW my TU and EQ08 scores are very similar, even tho my TU has about 6 more HP INQ. 802 for EQ 08 and 804 for tu08. Also when i upgraded from eq04 to eq08 my score didn't change at all



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 20 of 35
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