FICO
Many use an enhanced FICO-based score tweaked for CCC's called PFICO. It gives greater weight to credit card-associated history, util etc in your basic FICO. I think it's WaMu customers who get a free PFICO monthly.
The PFICO can be very similar to, or much higher or lower than the classic FICO.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007