PSECU score

[Student_Loans_Kill]

Why is my PSECU credit score around 30 points lower than reported by MyFICO scores?

[Anonymous]

Do you happen to know which bureau (EQ, TU, EX) your CU uses for its score?

Do you know which model it uses?  That could be FICO 8 Classic, FICO 9 Classic, FICO 8 Bankcard Enhanced, or at least half a dozen other possibilities.

This link does not seem to answer those questions, so you might have to call the CU to find out:

https://www.psecu.com/fico/

Once you know both things, then you'll know which of those dozens of scores you see in your myFICO report to compare it to.

When you do that, however, you could still see a very different score.  That's because your CU likely generated its score on a different date then your MF report was pulled.  Because of that, the bureau's report could have changed, and therefore the score could have changed.

[Student_Loans_Kill]

PSECU scores, I'm not sure what it is anymore.
And the scores from MyFICO

[Anonymous]

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@Student_Loans_Kill wrote:
PSECU scores, I'm not sure what it is anymore.
And the scores from MyFICO

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Hey bud, I am not sure what you mean by your last post.

[Student_Loans_Kill]

PSECU score was pulled today and it's about 30 points lower than all my scores from The scores that are reported on MyFICO. All are pulled around the same time.

[Anonymous]

Are you saying that the PSECU score and the myFICO report were both pulled today?

[Student_Loans_Kill]

PSECU was pulled today. MYFICO updates whenever they see a change, which was yesterday. The only possible change is me paying off credit cards, all and a Macy's account, $5800 and them increasing my limit to $25,000

[Anonymous]

When was your myFICO 3B report pulled -- ignoring any updates?  I am guessing it was a while ago?