It's always behind so what's the point in waiting for it to update (hence the reason why it's free)? I hope Chase gets rid of it or either offer a real FICO score for free. Leave this PFICO PJUNK alone.
@GFer wrote: I'm impatient because I had many baddies turn 2yrs old recently. Last month was my first update since I opened and it was depressing. So I've been really looking forward to this update!
I was wondering if anyone else has noticed that the PFICO score that is usually given for free with a WAMU card has not updated since September?
It is one of the best features of WAMU's cards since it's basically a TransUnion score provided for free every month...
I bought a bike on one of my credit cards maxing the card out. My credit score dropped 20 points on WaMu's FICO even before the due date of the credit card I had used. Then I paid the credit card off in full (by the due date) and the next month WaMu's FICO dropped 26 more points. Being down 46 point just because I bought a bike, I decided to get a FICO score (paid for it). It was 14 points higher than WaMu's score. I'm totally at loss. I have 2 other cards nearly maxed. One, I'm paying the minimums at very low interest, the other I spend like $1000 per month and pay like $1200 per month on so it's headed down. All my other cards are zero, no other changes on my credit report from last time I ran it. Go figure...
Maxing out a card or high UTIL in general will kill your PFICO score!
@Anonymous wrote: Mine just updated for October. I lost 21 points, probably due to paying down my $11.5K auto loan with a CC, increasing my revolving balances.
You killed your PFICO doing this and hurt your FICO's also.
I may have lowered my credit scores, but I also lowered the amount I'll pay. Going from 9.24% to 3.99%, I'll pay off the car a year early, and save about $1700 in interest. At the moment, that is more important than my credit score.
Good plan, Mike14. Stick with it. Your PFICO may have lowered, but that doesn't mean your FICO has. Besides, who's granting you credit based on your PFICO? Nobody, not even WaMu!
