topic PenFed FICO Score Updated in General Credit Topics

PenFed FICO Score Updated

credit_is_crack — Sun, 01 Oct 2017 13:55:47 GMT

Looks like the PenFed FICO score update has gone thru. My last one stated "as of 07/11/17" and this one is "as of 09/12/17"...

Re: PenFed FICO Score Updated

Anonymous — Sun, 01 Oct 2017 14:01:23 GMT

That is so awesome! Congratulations

Re: PenFed FICO Score Updated

Gmood1 — Sun, 01 Oct 2017 15:04:35 GMT

Right behind you crackman! lol

Re: PenFed FICO Score Updated

credit_is_crack — Sun, 01 Oct 2017 16:35:42 GMT

Thanks Pirate! This was my last "report" to update after the July lien removals m. Now I feel comfortable admitting to myself..."I think I have good credit. Protect it like it's cash" lol

Re: PenFed FICO Score Updated

credit_is_crack — Sun, 01 Oct 2017 16:43:38 GMT

@Gmood I'm sure computers "read" us as having the same score lol At the time they pulled this none of my new accounts had posted so I expect a drop, and possibly a terrifying downward spiral when they really start showing up.

Oddly, when the first card reported I had zero score changes. With EQ when the 2nd card posted it went up 3 points? Today another hit and it went up 2 more points! TU/EX have had zero change still and they are showing 3 and 4 new accounts respectively. I don't know what it is, but I'm not b******g about it! LOL

Still got 5 more to report so it's still early

Re: PenFed FICO Score Updated

Gmood1 — Sun, 01 Oct 2017 18:02:45 GMT

I figured mine will dip a little. They haven't as yet. All fico 8 scores the same, with two new accounts reporting between last month and this month. My FICO 9 dipped a couple of points. I still have three more new accounts I'm waiting for to hit possibly this month.

Re: PenFed FICO Score Updated

mitchblue — Mon, 02 Oct 2017 03:31:38 GMT

I'm still missing my PENFED score since they updated their website. No Fico 8 or 9. Zippo.

Re: PenFed FICO Score Updated

credit_is_crack — Mon, 02 Oct 2017 18:17:16 GMT

@mitch...that's odd, are you a recently new member or did you have the NexGen before and when it flipped you stopped seeing stuff? I'd give them a call..maybe a split profile at EQ and that's stunting PenFed from pulling the report..I've seen that before.

Re: PenFed FICO Score Updated

mitchblue — Mon, 02 Oct 2017 19:14:02 GMT

@credit_is_crack wrote:
@Anonymous...that's odd, are you a recently new member or did you have the NexGen before and when it flipped you stopped seeing stuff? I'd give them a call..maybe a split profile at EQ and that's stunting PenFed from pulling the report..I've seen that before.

Have been a member for about 2.5 years. I did have the NexGen before.. and now I'm not getting anything. I'll check it out, thanks.

Re: PenFed FICO Score Updated

K-in-Boston — Wed, 04 Oct 2017 00:23:58 GMT

Congrats to both of you with your gigantic near-800 scores! While mine is sitting 31 points below my EQ 08 score (709 vs 740) at least it's closer than last month (700 vs 746). I don't see me faring too well with PenFed and Navy growth in the near-term.

Re: PenFed FICO Score Updated

Anonymous — Tue, 03 Oct 2017 16:58:22 GMT

A very happy 695 for me. With balances currently reporting on all 4 of my cards no less

Re: PenFed FICO Score Updated

credit_is_crack — Tue, 03 Oct 2017 23:02:31 GMT

@K-in-Boston wrote:
Congrats to both of you with your gigantic near-800 scores! While mine is sitting 31 points below my EQ 08 score (709 vs 730) at least it's closer than last month (700 vs 746). I don't see me faring too well with PenFed and Navy growth in the near-term.

FICO 9 is definetly woring to my favor. All my 9s are higher than my 8s, both versions stil in great spots but nipping at that 800 mark is something I didn't think would ever come my way!

EX F8 = 755, F9 = 797

EQ F8 = 754, F9 = 786

TU F8 = 783, F9 = 801!!!

Scores just about 800's and still no preapprovals from PenFed, it is what it is I guess lol

Re: PenFed FICO Score Updated

credit_is_crack — Tue, 03 Oct 2017 23:04:03 GMT

@Anonymous wrote:
A very happy 695 for me. With balances currently reporting on all 4 of my cards no less

Based on your sig you've definetly brought that score up..now that you've got your path line out 700's are just around the corner!

Re: PenFed FICO Score Updated

Anonymous — Tue, 03 Oct 2017 23:08:51 GMT

Umm, where do you find your fico on PenFed? Online or app?

Re: PenFed FICO Score Updated

Glen_M — Tue, 03 Oct 2017 23:32:28 GMT

@Anonymous wrote:
Umm, where do you find your fico on PenFed? Online or app?

If you have a credit account with them it should appear near the top of the page as a sort of little advertisement banner looking thing on the main accounts view. They way they promote other services.

I'm newish, so all I see is a new blank space next to the other two banners, where there used to be three of them.

Re: PenFed FICO Score Updated

credit_is_crack — Tue, 03 Oct 2017 23:41:02 GMT

@Anonymous wrote:
Umm, where do you find your fico on PenFed? Online or app?

as soon as i login the banner is smack dab in the middle of the screen. I dont know where it is on the app (on iphone) but i see it online. I think Glen is correct, if you have a credit product (card or loan) with them it should show it to you..

Re: PenFed FICO Score Updated

K-in-Boston — Wed, 04 Oct 2017 00:23:04 GMT

@credit_is_crack wrote:
@K-in-Boston wrote:
Congrats to both of you with your gigantic near-800 scores! While mine is sitting 31 points below my EQ 08 score (709 vs 730) at least it's closer than last month (700 vs 746). I don't see me faring too well with PenFed and Navy growth in the near-term.
FICO 9 is definetly woring to my favor. All my 9s are higher than my 8s, both versions stil in great spots but nipping at that 800 mark is something I didn't think would ever come my way!

EX F8 = 755, F9 = 797
EQ F8 = 754, F9 = 786
TU F8 = 783, F9 = 801!!!

Scores just about 800's and still no preapprovals from PenFed, it is what it is I guess lol

Just to clarify, I fail at typing not at math. LOL My current EQ 08 score is 740 (likely back around 746 where it was last month since my EX went up 7 points the day after I pulled my monthlies from CCT). There are a few of us that are seeing 09 scores much lower, but it certainly seems like more people here are seeing much better scores.

Re: PenFed FICO Score Updated

credit_is_crack — Wed, 04 Oct 2017 00:57:31 GMT

"I fail at typing not at math"...LOLOL I know what you mean about that, I'm very guilty of that as well lol

Re: PenFed FICO Score Updated

Anonymous — Wed, 04 Oct 2017 02:29:47 GMT

Found it, thank you both.

Fico 9...interesting

Re: PenFed FICO Score Updated

Cprman — Wed, 04 Oct 2017 04:02:36 GMT

Totally Awesomness I had no idea could get free score and wowzers I like this new FICO model.