@Anonymous wrote:
Someone correct me if I am wrong, but this is simply wamu's internal way of checking credit card worthiness. It often varies from my score from my fico as the pfico score puts a heavier weight on credit card history rather than the complete fico picture.
It's probably true that WaMu goes by the CC-enhanced score, but this is more than just their internal scoring system. We call it PFICO for convenience's sake, but it's actually a legitimate FICO score, although specialized, that is available for purchase by all CCC's, not just WaMu/ Providian.
Just remember that you are looking at last month's score. That, plus the differently-weighted formula, means that your PFICO score might well look nothing like any of your current classic FICO scores.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
