My Fico Scores of 08 and 04 models have major differences

[Anonymous]

My Fico Scores of 08 and 04 models have major differences.

Does everyone else have this? My 08 Model is about 50 pts on average lower than my 04 model. Just seeing if this is common. 

[Anonymous]

I have the opposite my 08 are higher than my 04 but about the same difference.

[vanillabean]

Ask and it will be given to you; seek and you will find; knock and the door will be opened to you, lol.

[Marcos8]

It's hard to draw a real conclusion. My FICO 8's are a lot lower than my FICO 4's. I had only one derogatory event in my credit life which was a charge off of a first mortgage and a home equity line of credit due to a short sale of a home 5 years ago. I find it strange that the model still used most for mortgages penalizes me less than the model that is supposed to be more forgiving of derogatories as time passes. 

[Imhotrodcrazy]

---

@Anonymous wrote:

My Fico Scores of 08 and 04 models have major differences.

Does everyone else have this? My 08 Model is about 50 pts on average lower than my 04 model. Just seeing if this is common. 

---

For me,  when MyFico changed over to the "08 model  I lost 40  points.  I am still trying  to work my way back up to to my high scores.