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Valued Contributor
Posts: 1,283
Registered: ‎04-06-2011
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Re: July's PSECU EX FICO Score

It may be each individual company's agreement with the CRA is different. Give it a shot and let everyone know how it went.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Super Contributor
Posts: 6,580
Registered: ‎04-07-2008
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Re: July's PSECU EX FICO Score

DI:

 

Let me know if they tell you your score. I asked the person processing my app and she said she couldn't tell me my score. I didn't want to push and ask the reasons why she couldnt give me my EX score.




Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
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Re: July's PSECU EX FICO Score

[ Edited ]

 


CS800 wrote:

DI:

 

Let me know if they tell you your score. I asked the person processing my app and she said she couldn't tell me my score. I didn't want to push and ask the reasons why she couldnt give me my EX score.


I sure will.  You should have told her that you're a member of other CUs and they had no problem giving you your score.   I think it's silly of the rep to not give out the score when they offer free FICOs score anyway.  I now suspect maybe the scores they use is not the same as the free FICO score members get.  I would have questioned her about that too.  Put pressure on them.. They getting paid. 

Valued Contributor
Posts: 1,283
Registered: ‎04-06-2011
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Re: July's PSECU EX FICO Score

I may be in the minority here, but I'm gonna go ahead and say it. The free fico score is a perk associated with this CU, not Canon law. Too many people pressing about it may not be a good thing. If you're in, a month shouldn't be an eternity to wait.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
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Re: July's PSECU EX FICO Score

 


-Cain- wrote:
I may be in the minority here, but I'm gonna go ahead and say it. The free fico score is a perk associated with this CU, not Canon law. Too many people pressing about it may not be a good thing. If you're in, a month shouldn't be an eternity to wait.

Mostly everyone here joined PSECU just to see their EX FICO score.  Therefore, the mind is set on getting that EX FICO score by any means. 

Valued Contributor
Posts: 1,283
Registered: ‎04-06-2011
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Re: July's PSECU EX FICO Score

I agree most joined for the EX Fico, plus for their great VISA/PSL deal, plus their great customer service. As, you can see, they provide excellent benefits to members, so let's work with them, not against. I believe their FICO score page says PSECU providing free scores to it's members can change, so why mess with that.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Valued Contributor
Posts: 1,275
Registered: ‎09-22-2009
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Re: July's PSECU EX FICO Score


-Cain- wrote:
I may be in the minority here, but I'm gonna go ahead and say it. The free fico score is a perk associated with this CU, not Canon law. Too many people pressing about it may not be a good thing. If you're in, a month shouldn't be an eternity to wait.

I couldn't agree more.  A really good thing just doesn't seem to be enough for some folks.  

EQ FICO - EQ08 - 850 - 01/01/15
TU FICO - TU08 - 850 - 01/01/15
EX FICO - EX08 - 850 - 01/01/15
EX FICO - V2 - 840 - 01/01/15
EQ FICO - EQ04 - 818 - 01/01/15
EQ FICO - Bankcard Enhanced 8 - 885 - 1/24/15
Valued Contributor
Posts: 1,051
Registered: ‎05-20-2010
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Re: July's PSECU EX FICO Score


-Cain- wrote:
I may be in the minority here, but I'm gonna go ahead and say it. The free fico score is a perk associated with this CU, not Canon law. Too many people pressing about it may not be a good thing. If you're in, a month shouldn't be an eternity to wait.

Agreed. If the OP does not receive his/her score this month, he/she will get it next month. I know its hard to stay patience, but it will come eventually. I don't see any harm requesting through email, but if they don't willingly grant the request, there is no need to demand it. It will come next month.

TU: 603 – EQ: 569 – EX: N/A – May 2010

Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
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Re: July's PSECU EX FICO Score

I'm a member of 2 local CUs: one gave me my FICO score when they pulled it for me to join (a hard pull). The other would not give it to me, when they did a hard pull for a visa app. Each CU has their own policies.

 

One did a hard pull just for me to join; while the other did a soft to join and a hard only for the visa. They're all very different in what they do and the rules they follow.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Regular Contributor
Posts: 113
Registered: ‎02-24-2008
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Re: July's PSECU EX FICO Score

Unless something has changed, they won't. This very thing happened to me in April I had to wait until May. According to them and the website they request all scores on the first and wait on EX...YMMV

Starting Score: EX: 500 FAKO -TU: 497- EQ: 529 12/9/2010
Current Score:
EX: 675 CU -TU: 651-EQ: 671 3/31/2012
Goal Score:
700 across the board


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