As the credit score analysts at BoostMyScore predicted, the entire FICO® 08 scoring changeover, which was supposed to extinguish authorized user benefits to the credit scoring system, “was simply a fear based propaganda scare tactic”.

According to BoostMyScore, “this was nothing more than good old fashioned smoke and mirrors politics.” The value of the FICO® scoring model was diminishing in the eyes of the banks and lending institutions because of the so called “Credit Piggybacking” strategy used by BoostMyScore and others.