QUESTION FOR ADMINS

[Anonymous]

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@axxy wrote:

I still have Score Watch (because I signed up for an annual subscription, when shopping for real estate) and it still works fine for me.  My main complaint about it is that it doesn't give me much of a clue of how the scores I get from it compare to the scores seen by lenders.  But my scores are so high now that it doesn't matter much.

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From what I have seen, the scores mortgage lenders use FICO-04 is way closer to CK, than to MyFICO-08 here, that is used for credit cards.

[MyDataMyChoice]

Wish there was a way to pull 

04 FICO

[Anonymous]

Subtract 30-40 points from your scores and that's it in general terms.

[EW800]

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@Anonymous wrote:

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From what I have seen, the scores mortgage lenders use FICO-04 is way closer to CK, than to MyFICO-08 here, that is used for credit cards.

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I agree.  In my case, my CK score is almost always within a point or two of my FICO--04 scores.  My 08 scores are all about 25-30 points higher.  

[axxy]

What score do we get from Discover card?  Mine is usually close to what I get from Score Watch.  I think Discover is TU, right?  But is it 04 or 08?

[Anonymous]

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@axxy wrote:

What score do we get from Discover card?  Mine is usually close to what I get from Score Watch.  I think Discover is TU, right?  But is it 04 or 08?

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The original Score Watch here is EQ 08 and, as you say, Discover is TU 08, just like the TU score here and on Barclay, on Walmart...

[lisat009]

Same here! I haven't had updates for a month now, I have had new accounts, inquiries,closed accounts,massive decrease of my balance,baddies got removed and yet no updates in my FICO watch.. This is ridiculous!! 

[axxy]

Do you get weekly "nothing changed" messages?  If not, is it possible that the messages are somehow getting lost?  Maybe among spam, or to a wrong email address, or something like that?