11-18-2007 09:07 AM
11-18-2007 09:19 AM
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.
11-18-2007 09:23 AM - edited 11-18-2007 09:25 AM
11-18-2007 09:37 AM
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
11-18-2007 10:24 AM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO