General Credit Topics

[asdeepu]

Wamu Fico score from transunion 595 11/01 and 616 12/01. I pulled my transunion cr from myfico.com and the score is 647 on 11/25/08. Whats going on? Can anyone please help!!!

[dizzier]

The wamu fico score is whats called a PFICO or Providian FICO. It is a weighted FICO score that is biased toward your credit cards. This is why it may be different from your regualar FICO.

It is a real FICO score just a different model.

Message Edited by dizzier on 12-14-2008 05:48 PM

[sidewinder]

From what I understand, WaMu offers what is usually referred to as a PFICO. It is a FICO score, but not a regular FICO score, it is a CC enhanced score.

The score you get right here on this website is a regular FICO score.

Do some searching for "CC Enhanced Score or PFICO".

ETA: I was too slow typing that.

Message Edited by sidewinder on 12-14-2008 04:51 PM

[asdeepu]

Thanks dizz, what type of scores do lenders look at?

[Scamp]

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asdeepu wrote:
Thanks dizz, what type of scores do lenders look at?

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I'm not dizzier, but most (if not all) lenders look at the same scores you get right here, what sidewinder called your 'regular FICO score', although some lending situations also call for specialized FICO's - such as the auto-enhanced FICO used by the auto industry.

Message Edited by Scamp on 12-14-2008 04:41 PM