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Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007
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FICO Score vs. Bankcard FICO Score(PFICO)

I was hoping....praying, that the PFICO scores from TU provided to me on my WaMu account, at least CLOSELY approximated the FICO scores I get from myFiCO.

But noooooooooo! Was I ever wrong!

I pulled all CR's (and scores) from myFiCO on 11/01/07. Yesterday I get an alert from WaMu that my scores changed +/- 20 points. I was beginning to get excited.

TU score 11/01/07(myFiCO): 648
TU score,11/01/07( WaMu) : 615

Same date. Just when I THOUGHT, I was getting a basic understanding of how scoring works, I find I'm almost back where I started(untrusting and little confidence in ALL the scoring models). *sigh*

Both scores from TU...both scores dated the same. I just don't get it. I can accept a 15 or gosh, even a 20 point difference, as I can see that FICO and PFICO are as similar to each other as FICO and FAKO scores. 33 point difference. *shakes her head*

Back to square one. Sorry, I had to vent. And NO, I DON'T feel better. :smileytongue:
"Never ever, ever be late. Never" (FUTR)
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: FICO Score vs. Bankcard FICO Score(PFICO)

The WAMU PFICO is a month behind IMO



Sylviatob wrote:
I was hoping....praying, that the PFICO scores from TU provided to me on my WaMu account, at least CLOSELY approximated the FICO scores I get from myFiCO.

But noooooooooo! Was I ever wrong!

I pulled all CR's (and scores) from myFiCO on 11/01/07. Yesterday I get an alert from WaMu that my scores changed +/- 20 points. I was beginning to get excited.

TU score 11/01/07(myFiCO): 648
TU score,11/01/07( WaMu) : 615

Same date. Just when I THOUGHT, I was getting a basic understanding of how scoring works, I find I'm almost back where I started(untrusting and little confidence in ALL the scoring models). *sigh*

Both scores from TU...both scores dated the same. I just don't get it. I can accept a 15 or gosh, even a 20 point difference, as I can see that FICO and PFICO are as similar to each other as FICO and FAKO scores. 33 point difference. *shakes her head*

Back to square one. Sorry, I had to vent. And NO, I DON'T feel better. :smileytongue:


Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: FICO Score vs. Bankcard FICO Score(PFICO)

You did recently apply for some credit right?

The PFICO dings this pretty bad- but quickly recovers.
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007
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Re: FICO Score vs. Bankcard FICO Score(PFICO)

[ Edited ]
Thanks Timothy,but it stated: Bankcard scores from TransUnion: 11/01/07.

And yes I did apply for 2 cards, last week. 3 in early October.

Message Edited by Sylviatob on 11-18-2007 09:25 AM
"Never ever, ever be late. Never" (FUTR)
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: FICO Score vs. Bankcard FICO Score(PFICO)

That date is generic-
They do the softs around the 23 - 25 of the month and report the previous months PFICO - I base this on my experience- and the numbers they are reporting.



Sylviatob wrote:
Thanks Timothy,but it stated: Bankcard scores from TransUnion: 11/01/07.

And yes I did apply for 2 cards, last week. 3 in early October.

Message Edited by Sylviatob on 11-18-2007 09:25 AM


Established Contributor
Posts: 733
Registered: ‎10-23-2007
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Re: FICO Score vs. Bankcard FICO Score(PFICO)

yeh i'd buy that the PFICO is a month behind.

My PFICO is way off my actual TU FICO, but a month ago I still had the baddies on my report and a screw up on TU's part added a baddies that never existed before. my current PFICO is lower than my PFICO was the month before.
____________________
FICOs: (as of 12-10-08): EX 759 | (as of 01-24-10): EQ 794 TU 756 EX ? | (as of 3-17-11): EQ 794 TU 790 EX ?

Until Chase lowers my ridiculously high APR they can kiss my patootie! Their card has been retired to the sockdrawer. :smileymad:
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