Informal Poll: What's your Fico 4 vs. Fico 8 point diff?

[Anonymous]

I'm just curious-- what is the difference between what your score says on My Fico and what your lender disclosed? I see lots of posts talking about how they are different. I'll start: overall a 18 points less via my lender than myfico scores.

[HiLine]

Are we doing FICO 08 minus FICO 04?

Mine has been anything between 47 and 52.

[Anonymous]

It's seems from most of the reports I've seen that fico 8 is higher. I'm wondering how much higher fico 8 is over fico 4 for the majority of people. My Fico 8 is 18 points higher than my morgage lender's fico 4 pull.

[EW800]

My FICO 08 scores generally runs about 30 or more points higher than my FICO 04 scores.  I have both listed below.  I believe in my case 08 is more forgiving of all my past problems than 04 tends to be.  

[iv]

I've always seen FICO 8 scores much higher than FICO04 scores on my reports.

Closest spread I've seen recently is 34 points (EX, 837 vs 803), widest 74 (EQ, 841 vs 767).

[Anonymous]

For me myFICO EQ is 25 points higher than my score from Equifax website. From what I read those scores are FICO 8 and FICO 4 perspectively. 

[HiLine]

Oops, I mean my 08 scores are about 50 points higher than my 04 scores.

[Calidreaming]

My myfico scores are currently 711 EX, 687 TU and 683 EQ.  I had a lender pull in August and TU was 711, EX 633 and EQ 615.  This is one year after a redeemed repo.  I think EQ score may be due to a reporting error of some sort though.  

[Anonymous]

In August. Eq08 717. Eq04 723.
In November Eq08 749 Eq04 733.

[tmoney]

My fico 04 usally runs between 2 and 12 ponits higher then my fico 08.  The higher my score rises, the closer they become.  Fico 04 is genrally harder on past delinquincies then Fico 08, While my EQ is clean I noticed 04 likes to see more zero balances.  I had a past tax lien (just removed this month) on my EX report,and my 08 score was 721 and my 04 score was 693. after lien was removed my 08 climbed to 768 still waitimg for this month 04 score from PSECU ( no other baddies)