Using Wamu PFICO score before applying. Good idea?

[Anonymous]

I figure if I am going to apply for a credit card and "some" credit card companies use Card Enhanced scoring, maybe I should wait until both my Classic and PFICO scores are up to par. Right now my WAMU score is in the toilet and my Classic is blooming. I was going to request a CLI this month but because my WAMU score is so low I got cold feet. Wamu is a bit behind but still current enough to worry me. PFICO doesn't like my actions and I know what I did to upset it.

How do we know which credit card lenders use PFICO and which use Classic FICO?
* Wamu probably uses PFICO for cc apps to score us since they offer this score.

Message Edited by ilovepizza on 05-10-2008 12:30 AM

[smallfry]

---

@Anonymous wrote:
I figure if I am going to apply for a credit card and "some" credit card companies use Card Enhanced scoring, maybe I should wait until both my Classic and PFICO scores are up to par. Right now my WAMU score is in the toilet and my Classic is blooming. I was going to request a CLI this month but because my WAMU score is so low I got cold feet. Wamu is a bit behind but still current enough to worry me. PFICO doesn't like my actions and I know what I did to upset it.

How do we know which credit card lenders use PFICO and which use Classic FICO?
* Wamu probably uses PFICO for cc apps to score us since they offer this score.

Message Edited by ilovepizza on 05-10-2008 12:30 AM

---

Most likely your PFICO is your TU Card Enhanced Score if they pulled TU for your card. I wouldn't concern myself with that score if your Classics are going up now.