Did everyone get the upgrade?

[SomeGuyOnTheWeb]

Just got the upgrade yesterday, and my EQ went from 679 to 691. So I'm happy.

[tld1104]

I just called FICO and to check to see if I've been changed over to the new version yet.  Was told not yet and they couldn't give me a date.   I am hopefull for a bump but also scared that it could go bad.  I am too chicken to ask them to go ahead and change me over.  

Oh...she did say that I'd get an email when they do. 

[Bman70]

I called and she said when I signed up on 4/28 I already had the new scoring model. 

[Revelate]

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@HiLine wrote:
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.

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Grin, well we get to do it again!

My own testing seems to have some different results so publishing what I get with the new model: as I mentioned on the other thread, at least my scores are moving again whereas it was so hard to move them before on my own mixed file.

[Celle31]

I just got the email and checked my scores. My Equifax score went down 16 points. From 725 to 709

I'm in the process of getting pre-qualified for a mortgage. Good thing they use the old model. 

When I refinanced, myfico Equifax score was dead on and it was also my middle score.

Monitoring my score for  mortgage purposes was really my only purpose in getting score watch and now I can't even monitor it anymore. So, scorewatch is now worthless! 

But the community forum is still awesome!!! Bye Bye Scorewatch!!

[tooleman694]

My score went up 100 points!!!!  525 to 625. wowowowowowow.

[bobebob]

I got the "upgrade", but I it is unclear to me exactly what my score is upgraded to.

Is this a change to a different version of FICO score?  

I was pleased with the old one.  I liked that if I applied for a mortgage, the number I had at myFICO matched the one the mortgage broker pulled.

If this is a move to a less-used scoring model in what sense is this an "upgrade". 

My score went up 10pts.

But if it isn't a model that my potential creditors will look at then it doesn't exactly do me much good.

So will the number we see match what businesses that pull our credit will see?

[JerseyGirlLaurie]

I noticed a good improvement in my scores at myfico so I applied for that auto refinancing I've been waiting to do.  They said my score was too low and I told them what I thought it was since they said they use Equifax.  It was off by 70 points.  I was flabbergasted so I go to equifax site and get my score and then learn that the credit score adn fico score are too different things - so I purchase their FICO score and it is still way off from what myfico shows.  So I call myfico and they say their algorithm is the most up to date and Equifaxes isn't.  But the banks are going to the credit bureas not myfico right?  So don't we want what we monitor to match what lenders are using??  I am so frustrated and confused at this point.

[BungalowMo]

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@tooleman694 wrote:

My score went up 100 points!!!!  525 to 625. wowowowowowow.

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That's amazing!  Congrats!

[BungalowMo]

So I went ahead & made the call.  The CSR told me that I'm actually in the "High Achiever" bucket on all 3 reports.  Gotta pay down those balances tho.

He pushed through my 08 & I went from 682 to 713, so I'm happy about that!  I'm not looking to app for anything, so I don't care who uses this model & who doesn't.

He also mentioned that my TU 08 will get pushed through with my next quarterly monitoring report.