topic Re: Accuracy of PSECU FICO(?) score in Credit Cards

Accuracy of PSECU FICO(?) score

clocktick — Mon, 06 Jun 2011 04:46:41 GMT

I've been getting my FICO score from PSECU since January. Since February, I've opened 4 new CCs, have had 3 CLIs, at least 2 inquiries to my EX CR, and while I do PIF, my monthly utilization is reportedly all over the place from paying some before and some after the statement cut date. Despite all of this, PSECU reports my FICO as follows:

February: 702

March: 702

April: 702

May: 702

Is anyone else's like this? Could this really be a coincidence? I thought 2 months in a row of the same score was odd, but 4? Thoughts?

Re: Accuracy of PSECU FICO(?) score

mrmagic9799 — Mon, 06 Jun 2011 10:35:57 GMT

This may be comparing oranges to tangerines but, my plus score on EX has done the same for the last 4mths. I know you can't use that score for anything, but my balances too have fluctuated but it has stayed the same.....hmmmmmmm

Re: Accuracy of PSECU FICO(?) score

DI — Mon, 06 Jun 2011 10:42:31 GMT

@clocktick wrote:
I've been getting my FICO score from PSECU since January. Since February, I've opened 4 new CCs, have had 3 CLIs, at least 2 inquiries to my EX CR, and while I do PIF, my monthly utilization is reportedly all over the place from paying some before and some after the statement cut date. Despite all of this, PSECU reports my FICO as follows:

February: 702
March:      702
April:         702
May:         702

Is anyone else's like this? Could this really be a coincidence? I thought 2 months in a row of the same score was odd, but 4? Thoughts?

Hmmmm, as I stated in my post, that could be the reason why they don't give out the score they received during the application process. Moreover, it could be the score doesn't update until after every 6 months although they send a score each month.

It would be interesting if members start posting their last couple of months FICO score to see if all scores remained the same.

Re: Accuracy of PSECU FICO(?) score

Anonymous — Mon, 06 Jun 2011 13:32:21 GMT

687 April, 703 May

Re: Accuracy of PSECU FICO(?) score

Anonymous — Mon, 06 Jun 2011 14:32:10 GMT

@DI wrote:

@clocktick wrote:
I've been getting my FICO score from PSECU since January. Since February, I've opened 4 new CCs, have had 3 CLIs, at least 2 inquiries to my EX CR, and while I do PIF, my monthly utilization is reportedly all over the place from paying some before and some after the statement cut date. Despite all of this, PSECU reports my FICO as follows:

February: 702
March:      702
April:         702
May:         702

Is anyone else's like this? Could this really be a coincidence? I thought 2 months in a row of the same score was odd, but 4? Thoughts?
Hmmmm, as I stated in my post, that could be the reason why they don't give out the score they received during the application process.   Moreover, it could be the score doesn't update until after every 6 months although they send a score each month.

It would be interesting if members start posting their last couple of months FICO score to see if all scores remained the same.

How could that be if they actually pull your real FICO every month? I mean, it is what it is. Its a FICO.

Re: Accuracy of PSECU FICO(?) score

DI — Mon, 06 Jun 2011 14:54:15 GMT

@Anonymous wrote:
@DI wrote:

@clocktick wrote:
I've been getting my FICO score from PSECU since January. Since February, I've opened 4 new CCs, have had 3 CLIs, at least 2 inquiries to my EX CR, and while I do PIF, my monthly utilization is reportedly all over the place from paying some before and some after the statement cut date. Despite all of this, PSECU reports my FICO as follows:

February: 702
March:      702
April:         702
May:         702

Is anyone else's like this? Could this really be a coincidence? I thought 2 months in a row of the same score was odd, but 4? Thoughts?
Hmmmm, as I stated in my post, that could be the reason why they don't give out the score they received during the application process.   Moreover, it could be the score doesn't update until after every 6 months although they send a score each month.

It would be interesting if members start posting their last couple of months FICO score to see if all scores remained the same.

How could that be if they actually pull your real FICO every month? I mean, it is what it is. Its a FICO.

There are multiple types of FICO scores out there. I am more interested in the one that is used by PSECU.