Credit Cards

[buggle]

I know that there are auto - enhanced fico scores, but are there credit card enhanced fico scores?

[WannaHouse]

No...as far as I know anyway.

[plasticman]

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buggle wrote:
I know that there are auto - enhanced fico scores, but are there credit card enhanced fico scores?

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I believe there is and it is called "PFICO". Hopefully someone else on this board can confirm this. How you would obtain this score I do not know.

Message Edited by plasticman on 07-28-2009 05:03 PM

[haulingthescoreup]

FICO has "industry-enhanced" scores for auto loans and for credit cards. Like all their products, lenders decide whether to use them or not.

It used to be that WaMu CC holders (I think they were those who originally had Providian cards) got their CC-enhanced FICO TU scores on their statements. Here on the forums (maybe elsewhere), they were called PFICO's, the P standing for Providian. So "PFICO" would only refer to those scores on former Providian cards.

I don't think that any other bank provides CC-enhanced FICO scores to their members, and AFAIK, we don't know which CC's (if any) use CC-enhanced scores for credit approval. It might be that they just really aren't used any more, but that's pure speculation.

They can't be gotten by consumer request.

[plasticman]

Thanks for the post HTSU... very informative!

[hobojon]

I was told the fico score offerred with the Sears Solution MC is the EX bank card enhanced score. I don't know if this is true or not.

[creditwherecreditisdue]

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hobojon wrote:
I was told the fico score offerred with the Sears Solution MC is the EX bank card enhanced score. I don't know if this is true or not.

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http://www.creditmattersblog.com/2008/11/sears-kmart-mastercard-perk-free-fico.html

[creditwherecreditisdue]

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buggle wrote:
I know that there are auto - enhanced fico scores, but are there credit card enhanced fico scores?

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You may find this information useful:

http://www.creditmattersblog.com/2008/10/bankcard-industry-option-fico-score.html

"Available at all three major credit bureaus, the Industry Option FICO scores build on the predictiveness of classic FICO scores by incorporating additional credit information that is predictive for your specific industry-bankcard, auto lending, installment lending and finance company lending."

Message Edited by creditwherecreditisdue on 07-29-2009 01:13 PM

[hobojon]

http://blogs.wsj.com/wallet/2009/05/05/another-free-credit-score-casualty/

Message Edited by hobojon on 07-29-2009 10:20 AM

[FretlessMayhem]

If they did EX instead of TU I would highly consider apping.