The fact that I joined a CU in a state half a country away just for the EX FICO score is really sad, now that I think about it. I really need to check my priorities! 
I also a member of PSECU just for the FICO score. I have a $0 savings account and a $0 checking account. I have thought about opening a new credit card, but I don't need another card. My FICO went up to 700 this month.
EX:694 TU:744 EQ:777
Up 35 to 765. Finally back in the 760s after slowly sinking the past 4-5 months to a low of 730 last month. My reported balances were lower and I had an inquiry fall off. I suspect I am even higher right now. I had a bogus HP from 12/12 removed the day after PSECU pulled the scores. I was going to app for a card but I am waiting til next month so I can see my score without that HP I had removed before I put a dent in it. hahahaha
Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
DaveSignal,
Careful about having no activity though....
PSECU called last month about lack of activity ( I keep 25 in one account and 50 in another) and told me I risked inactivity fees if I didn't do something. SO, I transferred 5 bucks from one account to the other. ;-)
@ztnjpv wrote:DaveSignal,
Careful about having no activity though....
PSECU called last month about lack of activity ( I keep 25 in one account and 50 in another) and told me I risked inactivity fees if I didn't do something. SO, I transferred 5 bucks from one account to the other. ;-)
hmmm... they haven't called me yet (probably because I my phone number is international). I could put some money in the accounts. When I opened the checking I was going told I didn't need any deposit to open the account. How much do I need to put in my accounts to avoid inactivity fees?
I don't think it's about amounts. It's just activity. I was approaching one year with no activity at all. I lost my first psecu account years ago for this reason. I got fees down to zero and they closed it.
Yeah, not sure why they called me. My wife doesn't use hers either....but she had a car loan for a while so I guess that's ok.
@DaveSignal wrote:I also a member of PSECU just for the FICO score. I have a $0 savings account and a $0 checking account. I have thought about opening a new credit card, but I don't need another card. My FICO went up to 700 this month.
You might consider funding both of your accounts and using them occasionally. I've read elsewhere that PSECU is closing inactive accounts. I have a couple grand in my savings and about $500 in checking. I use the debit card for an online purchase ever 3-4 months. I joined about 6 months before the out of state loopholes ended. I can't imagine not having an EX FICO score now that I've had one for a while. I remember the good old days when you could get your EX FICO score here at Myfico.
I wish Fair Isaac and Experian would kiss and make up already. It would be nice to get all three FICO scores here instead of jumping through so many hoops. 
well, I don't use it for anything right now so I guess I should put $5 in to transfer between the accounts every now and then. I would have done it right now except the psecu site doesn't appear to be working for transfers at this time.
Thanks for the head up though. Good lookin' out.