topic Re: WAMU PFICO Day in Credit Cards

WAMU PFICO Day

Anonymous — Wed, 20 Feb 2008 13:18:59 GMT

A reminder to those with WAMU-

Today is PFICO day- no change for me from Jan-

No more PFICO's listed under 600 anymore for me-

The chart looked wild with a 480 and a 710 at the same time-

Re: WAMU PFICO Day

mipema — Wed, 20 Feb 2008 14:49:36 GMT

Timothy wrote:
A reminder to those with WAMU-
Today is PFICO day- no change for me from Jan-

No more PFICO's listed under 600 anymore for me-
The chart looked wild with a 480 and a 710 at the same time-

Thanks Timothy for the reminder. Just went to check my PFICO's on WAMU's site, and was a little surprised with the drop in points this month. Only new activity has been the addition of a Discover More, and a my CL on my Wachovia Visa has doubled after a hard inquiry. A total of 8k new CL. Now for the slow climb back up.

669 Mar 07

669 Apr 07

671 May 07

720 Jun 07

715 Jul 07

715 Aug 07

719 Sep 07

720 Oct 07

719 Nov 07

723 Dec 07

728 Jan 08

697 Feb 08

Re: WAMU PFICO Day

orl2185 — Wed, 20 Feb 2008 15:21:48 GMT

mipema wrote:

Timothy wrote:
A reminder to those with WAMU-
Today is PFICO day- no change for me from Jan-

No more PFICO's listed under 600 anymore for me-
The chart looked wild with a 480 and a 710 at the same time-

Thanks Timothy for the reminder. Just went to check my PFICO's on WAMU's site, and was a little surprised with the drop in points this month. Only new activity has been the addition of a Discover More, and a my CL on my Wachovia Visa has doubled after a hard inquiry. A total of 8k new CL. Now for the slow climb back up.
669     Mar 07
669     Apr 07
671     May 07
720     Jun 07
715     Jul 07
715     Aug 07
719     Sep 07
720     Oct 07
719     Nov 07
723     Dec 07
728     Jan 08
697     Feb 08

Give it a few months till scores rebound. Nice improvement there BTW

Re: WAMU PFICO Day

Anonymous — Wed, 20 Feb 2008 15:33:08 GMT

Mine took a little hit Jan 08 two new inquieres and two new credit cards in Dec 07. Looks

like it's coming back up already.

692 07 Mar
681 07 May
713 07 Jun
708 07 Jul
708 07 Aug
704 07 Sep
708 07 Oct
708 07 Nov
713 07 Dec
702 08 Jan
707 08 Feb

Woody

Re: WAMU PFICO Day

Anonymous — Wed, 20 Feb 2008 16:04:21 GMT

Pfico? Are these simular to the myfico score? For me I just pulled my ficos a few days ago and the number is three points apart...

Re: WAMU PFICO Day

orl2185 — Wed, 20 Feb 2008 16:05:49 GMT

ash4557 wrote:
Pfico? Are these simular to the myfico score? For me I just pulled my ficos a few days ago and the number is three points apart...

They basically credit cards enhanced scores. Rely mainly on cc usage, not other accounts or TLS.

Re: WAMU PFICO Day

Anonymous — Wed, 20 Feb 2008 16:14:02 GMT

I cant wait to get my pfico scores, so i can have a history! Still have the "may take up to 4 weeks".

Re: WAMU PFICO Day

Anonymous — Wed, 20 Feb 2008 19:17:52 GMT

My scores inched up by only 6 points. Time to get utils down, and get some age and history on the cc's I got in my app'ing frenzy of last fall.

Re: WAMU PFICO Day

Anonymous — Wed, 20 Feb 2008 19:22:45 GMT

@Anonymous wrote:
A reminder to those with WAMU-

Today is PFICO day- no change for me from Jan-

No more PFICO's listed under 600 anymore for me-

The chart looked wild with a 480 and a 710 at the same time-

Hmmm, mine didn't update today.

It looks like mine last updated on February 1...Maybe I'll have to wait til March.

I wish it would update for me today though, because it would be interesting to see the diff between my pfico and my reg fico that I just pulled last night from TU.

Re: WAMU PFICO Day

Anonymous — Wed, 20 Feb 2008 19:51:09 GMT

Back in December I opened up two new Citi cards because they had 0% BT with no fees. I put $5,900 on one card (100% maxed out) and $4,600 on the other card (out of $6,500 CL).

Score in December: 814

Score in January: 765

Score in February: 732

Amazing what two cards with poor utilization can do!!!

Re: WAMU PFICO Day

Anonymous — Wed, 20 Feb 2008 20:19:23 GMT

Wow, I just checked mine and my score jumped 93 points, from 657 to 750, which is in the middle of my FICOs (761 EQ and 742 EX). My balance increased about $3-4k along with a couple of CLIs, and I have 10 inquires. BUT I removed one collection. I hope my TU FICO, which was 674 before the removal, to increase as well.