Pfico's are available.....

[Anonymous]

after seeing this thread and a few others I decided to check my TU Fico here today---the day my WAMU PFICO was posted. The PFICO is 19 points lower.

[Anonymous]

There is no such thing as mortgage enhanced FICO scores-

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Kareninaz wrote:

I'm so glad I read this! I haven't pulled my scores from here in about a week, or whatever the date in my profile is. I'm not planning to pull until the end of this month or the first of Sept. My TC EXP (yes I know it's a fako) hasn't changed in a few weeks but it's about the same as it was last time I bought here. I just got my My Points card and get a PFICO from them. Checked it and it's 629. I wasn't thrilled of course. From what I just read it takes CCS into more consideration than anything else? I have mortgages and a car loan that are on my actual Fico. I know Mortgage enhanced ficos are different than the ficos from here also, and I'm not done with repair yet, still paying off balances and trying to get rid of 2 bad marks. I'm just hoping the real estate enhanced score is closer to my fico than the Pfico.

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[jbh]

Have any of you used this info to find approval with other cards? I ask because I figure this is weighed only for Providian/Wamu, correct?

[haulingthescoreup]

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@jbh wrote:
Have any of you used this info to find approval with other cards? I ask because I figure this is weighed only for Providian/Wamu, correct?

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It's weighted for any CC. The problem is, none of us know for sure who uses it. We assume that WaMu does, and that's why they have month-old scores lying around that they can give you, but no clue who else does.

[wmarat]

It seems (according to CNN) that WaMu is for sale and I do not believe that Chase, when it buys WaMu, gonna provide free PFICO, so the difference between FICO and PFICO is not relevant anymore is not it ?

[jmbfl]

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wmarat wrote:

It seems (according to CNN) that WaMu is for sale and I do not believe that Chase, when it buys WaMu, gonna provide free PFICO, so the difference between FICO and PFICO is not relevant anymore is not it ?

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1) Morgan is in the market to purchase Wachovia, not WaMu.

2) WaMu is a huge problem. It is projected to fail in a few years. WaMu's gonna be a bail out. I would predict that WaMu will be picked to pieces and cease to exist. Their CC operation will either be picked up by someone else, or, since it is very large, may be spun off as a separate company.

In any case PFICO is what it is and reference it or not as you see fit.

Message Edited by jmbfl on 09-20-2008 10:10 AM