WAMU FREE FICO SCORES...

[Anonymous]

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smallfry wrote:
Could be based on your Experian score if they pulled that for the application but it for sure does not like new accounts. It penalizes you even more severely than Classic FICO for that.

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Nope mine so far have always been based on TU. My TU FICO dropped 14 points as well

[haulingthescoreup]

Brammy, since some people's PFICO's are so different from their classic FICO's, would it be worthwhile for people planning to CC app to get on with Wamu to have access to this score? And of course, if I got their card to get the scores, that would be another inq and another re-aging. Is there another source for consumers to get it?

Since my lates are CC-related, I bet my PFICO's are a good bit lower than my classic FICO's. Difficult to imagine...

[Anonymous]

Mine has always been TU also.

So do they have a WAMU card that gives the EX score? Does anyone know?

[Anonymous]

not to butt in, but wamu only provides a tu pfico? not too many cc's pull tu anymore, so apping for pfico would be less than concrete.

sorry, just a little app weary after brammy's hvt this morning.

[haulingthescoreup]

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@dnm45227 wrote:

not to butt in, but wamu only provides a tu pfico? not too many cc's pull tu anymore, so apping for pfico would be less than concrete.

sorry, just a little app weary after brammy's hvt this morning.

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That's true, but I'm trying to figure out if there PFICO's for all three CRA's, or do CCC's just pull EQ - EX - TU PFICO for example. It's all getting to be too much!

Poor dnm, might be time to pull a nice hot bubble bath for your rubbie duckie to heal! Good luck, whatever you do with citi. Those people make me nuts.

[Anonymous]

i think hauling just go told me to float my duck!

there's a story behind the duck, thinking of a tat of a duckie in fact.

[Anonymous]

hauling,

I agree it is all beginning to be too much. Just when I thought I got an understanding something else is added to the pic. And then here comes FICO8. Geesh!

[Anonymous]

Hauling another thing. As far as the scores go they only update once a month and then you do not receive the score until the middle sometimes the end of the month. A lot of stuff can take place on your credit within that time.

IMO, I do not think you should go out of your way to app for the card just to get the score, its not worth it. However, that is the way I feel. What about anyone else?

[haulingthescoreup]

I think you're probably right. I just have a morbid curiosity about what my bankcard-enhanced score looks like. Like the "Limbo" song: "How LOOOOW can they GO?"

[Anonymous]

They may not be as low as you think. The PFICO, from my understanding calculates differently. I'm thinking that if you get dinged it doesn't last as long as the classic FICO. too bad there is no way you can get them another way.

If you app for the WAMU cc to get your scores, you probably will not get the score until 2 months from now anyway (at least that is how long it took me to get my score). I would save my inq for another card that comes out with a free score, I'm sure it is coming soon...