topic Re: July's PSECU EX FICO Score in Credit Cards

July's PSECU EX FICO Score

DI — Sun, 05 Jun 2011 20:05:52 GMT

Since I missed the deadline for July's EX FICO, can I call PSECU to ask what my June's score is? They should know since they made a hard inquiry on my EX report right?

Re: July's PSECU EX FICO Score

Anonymous — Sun, 05 Jun 2011 20:12:01 GMT

It's free to ask.

Re: July's PSECU EX FICO Score

DI — Sun, 05 Jun 2011 20:15:53 GMT

I'm reluctant to ask. I don't want them to think that was my only reason for joining.

Re: July's PSECU EX FICO Score

Anonymous — Sun, 05 Jun 2011 20:18:56 GMT

IMO, if they did a hard, its your right to know.

Re: July's PSECU EX FICO Score

DI — Sun, 05 Jun 2011 20:20:11 GMT

@Anonymous wrote:
IMO, if they did a hard, its your right to know.

You're right! I'll ring them up tomorrow. Thanks for the replies you all.

Re: July's PSECU EX FICO Score

Anonymous — Sun, 05 Jun 2011 20:24:09 GMT

Yeah - it would be silly of them to say no since they typically request our scores from Experian around the 5th or 6th of each month. Since you technically became an official member before then, they should really be including you in the next pull that they execute for us all. Whatever. I wouldn't be concerned what the CSR thinks about your reasons for joining because they have hundreds of members calling every day and you will be no more than a very brief blip in their radar. After you hang up, you will forever be gone from their mind.

Re: July's PSECU EX FICO Score

DI — Sun, 05 Jun 2011 20:28:45 GMT

@Anonymous wrote:
Yeah - it would be silly of them to say no since they typically request our scores from Experian around the 5th or 6th of each month. Since you technically became an official member before then, they should really be including you in the next pull that they execute for us all. Whatever. I wouldn't be concerned what the CSR thinks about your reasons for joining because they have hundreds of members calling every day and you will be no more than a very brief blip in their radar. After you hang up, you will forever be gone from their mind.

Thanks! That's exactly what I needed to hear. I'm going to send them an email first.

Re: July's PSECU EX FICO Score

Anonymous — Sun, 05 Jun 2011 20:45:47 GMT

@Anonymous wrote:
Yeah - it would be silly of them to say no since they typically request our scores from Experian around the 5th or 6th of each month. Since you technically became an official member before then, they should really be including you in the next pull that they execute for us all. Whatever. I wouldn't be concerned what the CSR thinks about your reasons for joining because they have hundreds of members calling every day and you will be no more than a very brief blip in their radar. After you hang up, you will forever be gone from their mind.

Very well said ficofox, I don't think that could have been worded any better.

Let us know what the outcome is DI, I hope your EX Fico is wayyyyyyyyyyy up there!!!!

Re: July's PSECU EX FICO Score

-Cain- — Sun, 05 Jun 2011 22:36:05 GMT

@Mustanglvr2006- I don't know that they have to disclose your credit score after a hard pull. FIA underwriter told me that was confidential and against an agreement they had with the CRA. Don't know if they were blowing hot or air or not, but that's the reason they gave.

Re: July's PSECU EX FICO Score

DI — Sun, 05 Jun 2011 22:37:33 GMT

@-Cain- wrote:
@Anonymous- I don't know that they have to disclose your credit score after a hard pull. FIA underwriter told me that was confidential and against an agreement they had with the CRA. Don't know if they were blowing hot or air or not, but that's the reason they gave.

PenFed without hesitation told me my EQ FICO score was 792 when I first joined them.

Re: July's PSECU EX FICO Score

-Cain- — Sun, 05 Jun 2011 22:51:12 GMT

It may be each individual company's agreement with the CRA is different. Give it a shot and let everyone know how it went.

Re: July's PSECU EX FICO Score

CS800 — Mon, 06 Jun 2011 01:43:56 GMT

DI:

Let me know if they tell you your score. I asked the person processing my app and she said she couldn't tell me my score. I didn't want to push and ask the reasons why she couldnt give me my EX score.

Re: July's PSECU EX FICO Score

DI — Mon, 06 Jun 2011 01:49:50 GMT

@CS800 wrote:
DI:

Let me know if they tell you your score. I asked the person processing my app and she said she couldn't tell me my score. I didn't want to push and ask the reasons why she couldnt give me my EX score.

I sure will. You should have told her that you're a member of other CUs and they had no problem giving you your score. I think it's silly of the rep to not give out the score when they offer free FICOs score anyway. I now suspect maybe the scores they use is not the same as the free FICO score members get. I would have questioned her about that too. Put pressure on them.. They getting paid.

Re: July's PSECU EX FICO Score

-Cain- — Mon, 06 Jun 2011 02:27:28 GMT

I may be in the minority here, but I'm gonna go ahead and say it. The free fico score is a perk associated with this CU, not Canon law. Too many people pressing about it may not be a good thing. If you're in, a month shouldn't be an eternity to wait.

Re: July's PSECU EX FICO Score

DI — Mon, 06 Jun 2011 02:30:51 GMT

@-Cain- wrote:
I may be in the minority here, but I'm gonna go ahead and say it. The free fico score is a perk associated with this CU, not Canon law. Too many people pressing about it may not be a good thing. If you're in, a month shouldn't be an eternity to wait.

Mostly everyone here joined PSECU just to see their EX FICO score. Therefore, the mind is set on getting that EX FICO score by any means.

Re: July's PSECU EX FICO Score

-Cain- — Mon, 06 Jun 2011 03:09:57 GMT

I agree most joined for the EX Fico, plus for their great VISA/PSL deal, plus their great customer service. As, you can see, they provide excellent benefits to members, so let's work with them, not against. I believe their FICO score page says PSECU providing free scores to it's members can change, so why mess with that.

Re: July's PSECU EX FICO Score

android01 — Mon, 06 Jun 2011 03:30:58 GMT

@-Cain- wrote:
I may be in the minority here, but I'm gonna go ahead and say it. The free fico score is a perk associated with this CU, not Canon law. Too many people pressing about it may not be a good thing. If you're in, a month shouldn't be an eternity to wait.

I couldn't agree more. A really good thing just doesn't seem to be enough for some folks.

Re: July's PSECU EX FICO Score

Datx — Mon, 06 Jun 2011 03:50:35 GMT

@-Cain- wrote:
I may be in the minority here, but I'm gonna go ahead and say it. The free fico score is a perk associated with this CU, not Canon law. Too many people pressing about it may not be a good thing. If you're in, a month shouldn't be an eternity to wait.

Agreed. If the OP does not receive his/her score this month, he/she will get it next month. I know its hard to stay patience, but it will come eventually. I don't see any harm requesting through email, but if they don't willingly grant the request, there is no need to demand it. It will come next month.

Re: July's PSECU EX FICO Score

bichonmom — Mon, 06 Jun 2011 07:55:39 GMT

I'm a member of 2 local CUs: one gave me my FICO score when they pulled it for me to join (a hard pull). The other would not give it to me, when they did a hard pull for a visa app. Each CU has their own policies.

One did a hard pull just for me to join; while the other did a soft to join and a hard only for the visa. They're all very different in what they do and the rules they follow.

Re: July's PSECU EX FICO Score

mrmagic9799 — Mon, 06 Jun 2011 10:32:04 GMT

Unless something has changed, they won't. This very thing happened to me in April I had to wait until May. According to them and the website they request all scores on the first and wait on EX...YMMV