Scores

[Deltadog03]

I know there is a TON of different combo's to the FICO scoring methods and its a closely guarded secret, BUT.....My FICO08 Scores used to be higher than the "older" scores, but now they are not.  My older model scores are now about 25-45 points higher.  I know it doesn't mean a whole lot, but was curious of how many of yall have your older scores higher than the 08?  The only real thing that has changed is I now have 0 Collections on EX and EQ and 1 on TU(but should be gone shortly)  BK7 DC back in FEB 2013

[Anonymous]

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@Deltadog03 wrote:

I know there is a TON of different combo's to the FICO scoring methods and its a closely guarded secret, BUT.....My FICO08 Scores used to be higher than the "older" scores, but now they are not.  My older model scores are now about 25-45 points higher.  I know it doesn't mean a whole lot, but was curious of how many of yall have your older scores higher than the 08?  The only real thing that has changed is I now have 0 Collections on EX and EQ and 1 on TU(but should be gone shortly)  BK7 DC back in FEB 2013

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That's why. Fico 04 placed more emphasis on collections, so they were depressing that score.

[Deltadog03]

That makes sense...Thank you!  I know my Vantage 3.0 scores are somewhat closer to my 04 and 5 scores.  TU:681 and EQ:697   last time I looked, EQ5:662 and my TU04, which hasn't updated to show the new scores yet was 674   I would ask if FICO 09 would be more adopted soon, but heck....08 is still slowly being accepted from what I can tell.