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Depends on your situation. It is rumored that there were other tweaks in FICO 08 that were good for consumers. Since it is not being used, it is best to know if your lender is using FICO or one of the CRA generated scores. Ask the lender and they may tell you. I have a local bank that uses the score from Equifax. Lucky for me, that is my best report, and the EQ score is generally higher than FICO.
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