Established Contributor
Takunda1
Posts: 512
Registered: ‎06-08-2007
WAMU Transunion FICO
Since I received my card form WAMU, I can see my score but it always says that detailed info is unavailable. Is this how it's supposed to work? I'm glad they give the true FICO though so at least I don't have to spend $15 on here to get my TU score. Between WAMU and TC, I have Transunion covered.
Frequent Contributor
sleigh17
Posts: 427
Registered: ‎08-09-2007
Re: WAMU Transunion FICO


Takunda1 wrote:
Since I received my card form WAMU, I can see my score but it always says that detailed info is unavailable. Is this how it's supposed to work? I'm glad they give the true FICO though so at least I don't have to spend $15 on here to get my TU score. Between WAMU and TC, I have Transunion covered.


How long have you had your WAMU card? When I first got mine in March, it had the FICO score with detailed info unavailable until the next time the score was updated (about a month later). At that time, everything showed up okay.
FICO SCORES 10/13/2007: TU 661 / EQ 637 / EX 617)
FICO SCORES 11/11/2007: TU 669 / EQ 637 / EX 623 (Looking for 700)
Fico Scores 01/04/2008: TU 667 12/23/2007 / EQ 628 / EX 617
Regular Contributor
VLGaffEsq
Posts: 126
Registered: ‎05-12-2007
Re: WAMU Transunion FICO
Please be advised that these scores from WaMu/Trans Union are what's known as "fako scores."  They are usually a bit higher than your actual and legitimate FICO scores that you must pay to obtain from MyFICO.com.  It is, however, a good information tool to allow you to see how your score goes up and down each much, depending upon your credit utilization.  Although the reason codes are very general, I happen to like this service provided by WaMu since it lets you see your last 12 months worth of info.  But utilize it only informational purposes.
Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
Re: WAMU Transunion FICO


VLGaffEsq wrote:
Please be advised that these scores from WaMu/Trans Union are what's known as "fako scores."  They are usually a bit higher than your actual and legitimate FICO scores that you must pay to obtain from MyFICO.com.  It is, however, a good information tool to allow you to see how your score goes up and down each much, depending upon your credit utilization.  Although the reason codes are very general, I happen to like this service provided by WaMu since it lets you see your last 12 months worth of info.  But utilize it only informational purposes.


Nope! The score at WAMU's site is PFICO, a credit card enhanced score.
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Contributor
onmyway3161
Posts: 111
Registered: ‎05-13-2007
Re: WAMU Transunion FICO
Fused is right. It is a true fico score. The P stands for Providian.
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
Re: WAMU Transunion FICO
[ Edited ]


VLGaffEsq wrote:
Please be advised that these scores from WaMu/Trans Union are what's known as "fako scores."  They are usually a bit higher than your actual and legitimate FICO scores that you must pay to obtain from MyFICO.com.  It is, however, a good information tool to allow you to see how your score goes up and down each much, depending upon your credit utilization.  Although the reason codes are very general, I happen to like this service provided by WaMu since it lets you see your last 12 months worth of info.  But utilize it only informational purposes.


These are not FAKO scores, what these are are the real BankCard FICO scores.  They will differ from your true FICO score.  My TU FICO is 704  my TU BankCard is lower. There are several different models of REAL FICO scores.  You have the BankCard, the Classic , the Auto enhanced.....


Message Edited by Brammy on 08-18-2007 05:54 PM
New Contributor
Doodah
Posts: 67
Registered: ‎07-27-2007
Re: WAMU Transunion FICO
PFICO isn't Providian FICO. P is for Precision, which is the Precision Scoring model used by TransUnion.
Established Contributor
Takunda1
Posts: 512
Registered: ‎06-08-2007
Re: WAMU Transunion FICO


sleigh17 wrote:

How long have you had your WAMU card? When I first got mine in March, it had the FICO score with detailed info unavailable until the next time the score was updated (about a month later). At that time, everything showed up okay.
 
Oh okay thanx. I just got my card about a week ago. I guess I'll wait till next month then.

Contributor
section8
Posts: 102
Registered: ‎07-10-2007
Re: WAMU Transunion FICO
So, do most Credit Cards use PFICO or regular old FICO? My WAMU reported PFICO is around 50 points higher then the other. 
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
Re: WAMU Transunion FICO


section8 wrote:
So, do most Credit Cards use PFICO or regular old FICO? My WAMU reported PFICO is around 50 points higher then the other. 


 
The credit score you get from myfico is the classic FICO, usually used in mortgage scoring.  Some banks use a bankcard formula.  Junny actually uses and provides whats called a TransRisk scorethat supposedly calculates the risks of you filing bankruptcy