Please help with FICO scores

[mipema]

Hey,

Back in September of '07 I purchased my FICO scores from Myfico dot com, and today, they are exactly the same as they were nearly 5 months ago - in fact my Equifax dropped 3 points from 693 to 690, but TU and EX have remained constant.

I just checked the WAMU site, and obtained my PFICO scores, which have changed every month since September, expressed by the chart below.

719 - Sept '07

 

720 - Oct '07

 

719 - Nov '07

 

723 - Dec '07

 

728 - Jan '08

 

What I don't understand is, why if my PFICO changes every month, my FICO score(s) do not reflect the change(s).

Thanks

Message Edited by mipema on 01-22-2008 04:42 PM

[Anonymous]

Not to worry -- these are very small changes in score.

The PFICO score weighs your revolving TLs a bit more than the FICO score (which also considers installment loans like auto and mortgage).  This could cause slight variation.

Message Edited by masdeocho on 01-22-2008 04:52 PM

[mipema]

Thanks for the help.

I just checked my e-mail and I got a new alert. My score increased from a 690, three points to a 693, so now all three scores are exactly the same as they were Sept '07. Now for the long haul up to 800 and beyond!!

[Anonymous]

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mipema wrote:
Thanks for the help.

I just checked my e-mail and I got a new alert. My score increased from a 690, three points to a 693, so now all three scores are exactly the same as they were Sept '07. Now for the long haul up to 800 and beyond!!

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You're welcome.  Just keep paying everything on time and keeping your util down and you'll get there!