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How long have you had your WAMU card? When I first got mine in March, it had the FICO score with detailed info unavailable until the next time the score was updated (about a month later). At that time, everything showed up okay.
Takunda1 wrote:Since I received my card form WAMU, I can see my score but it always says that detailed info is unavailable. Is this how it's supposed to work? I'm glad they give the true FICO though so at least I don't have to spend $15 on here to get my TU score. Between WAMU and TC, I have Transunion covered.
Nope! The score at WAMU's site is PFICO, a credit card enhanced score.
VLGaffEsq wrote:
Please be advised that these scores from WaMu/Trans Union are what's known as "fako scores." They are usually a bit higher than your actual and legitimate FICO scores that you must pay to obtain from MyFICO.com. It is, however, a good information tool to allow you to see how your score goes up and down each much, depending upon your credit utilization. Although the reason codes are very general, I happen to like this service provided by WaMu since it lets you see your last 12 months worth of info. But utilize it only informational purposes.
These are not FAKO scores, what these are are the real BankCard FICO scores. They will differ from your true FICO score. My TU FICO is 704 my TU BankCard is lower. There are several different models of REAL FICO scores. You have the BankCard, the Classic , the Auto enhanced.....
VLGaffEsq wrote:
Please be advised that these scores from WaMu/Trans Union are what's known as "fako scores." They are usually a bit higher than your actual and legitimate FICO scores that you must pay to obtain from MyFICO.com. It is, however, a good information tool to allow you to see how your score goes up and down each much, depending upon your credit utilization. Although the reason codes are very general, I happen to like this service provided by WaMu since it lets you see your last 12 months worth of info. But utilize it only informational purposes.
sleigh17 wrote:How long have you had your WAMU card? When I first got mine in March, it had the FICO score with detailed info unavailable until the next time the score was updated (about a month later). At that time, everything showed up okay.Oh okay thanx. I just got my card about a week ago. I guess I'll wait till next month then.
section8 wrote:
So, do most Credit Cards use PFICO or regular old FICO? My WAMU reported PFICO is around 50 points higher then the other.
The credit score you get from myfico is the classic FICO, usually used in mortgage scoring. Some banks use a bankcard formula. Junny actually uses and provides whats called a TransRisk scorethat supposedly calculates the risks of you filing bankruptcy