topic Re: Historical Score in General Credit Topics

Historical Score

Anonymous — Tue, 21 Oct 2008 14:39:29 GMT

After increasing for a year and no changes in my credit activity, my TU score suddenly dropped from 786 to 740 as reported by my credit card company. The credit card company tells me they do no scoring but simply pass through the TU score as a service to me. I have ordered and printed all 3 credit reports but they do not reveal a reason for that drop. I would like to determine that reason as well as my monthly score for the last year. Any suggestions on how to do this would be greatly appreciated.

Re: Historical Score

MidnightVoice — Tue, 21 Oct 2008 15:05:39 GMT

My TU dropped 30 points for no reasom in June/July. (787 to 757). I would love to know why. Both others remained steady

Re: Historical Score

Donks3369 — Tue, 21 Oct 2008 15:08:01 GMT

Connie,

Was this your FICO score that dropped or was it one of the FAKO scores that your ccc gives you, like WAMU?

Re: Historical Score

GFer — Tue, 21 Oct 2008 16:01:21 GMT

Donks, WaMu actually gives you a PFICO. It's a cc enhanced score version of FICO.

Re: Historical Score

Anonymous — Tue, 21 Oct 2008 16:17:30 GMT

The CCC was in fact WaMu! They have had no acceptable answer to my inquiries.

Re: Historical Score

Donks3369 — Tue, 21 Oct 2008 16:55:57 GMT

Connie,

In my opinion the PFICO that WAMU, or anyone else for that matter, is worthless. This isn't your true FICO score, so it has no real meaning in the grand scheme of things. My PFICO score that WAMU gives me is over 100 points higher than my real FICO. Unfortuantely, this doesn't get me anything. So I really wouldn't worry about what that FAKO score is giving you. Just concentrate on the scores you get from myfico.com.

Re: Historical Score

Donks3369 — Tue, 21 Oct 2008 16:57:10 GMT

GFer,

Yes, I understand it is an enchanced version of FICO weighted towards credit cards, but it is still a FAKO score and something that lenders won't even look at.

Re: Historical Score

Helena_313 — Tue, 21 Oct 2008 18:41:10 GMT

Oddly, though, I had a recent drop in TU that I can't figure out for the life of me (and it WAS a FICO ordered from here) - http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=28551

Re: Historical Score

MidnightVoice — Tue, 21 Oct 2008 18:52:56 GMT

Mine was real FICO as well, and the others stayed unchanges (also real FICOs)

Re: Historical Score

Donks3369 — Tue, 21 Oct 2008 19:08:56 GMT

Well, my TU FICO score dropped also, but I thought it was because I was rebucketed. Maybe TU just hates everyone now. They are by far my lowest FICO. They come in at a 556 while my Experian FICO is 710. Go figure.

Re: Historical Score

GFer — Tue, 21 Oct 2008 19:14:37 GMT

Mine dropped almost 80 points, but I figured it was because of all my new accounts/inquiries. Does seem like a lot of points. But since several of my accounts have aged 6 months I've seen increases in my other scores---but none with TU!

The thing is; TU hasn't updated many of my accounts since July!