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Yes, you too can join PSECU and find out your EX FICO score! --well, maybe

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haulingthescoreup
Moderator Emerita

Re: Yes, you too can join PSECU and find out your EX FICO score!

It's an interesting question. This is a separate program that FICO sells to banks and CU's, called Scores on Statements.

 

I don't think that the basic everyday soft report shows a score. They're usually not interested in your scores; just what's going on with your report.

 

When I finally see my score, I'll pull my full EX report and see what it shows. We can all compare notes. Smiley Very Happy

* 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
Message 91 of 731
score_building
Senior Contributor

Re: Yes, you too can join PSECU and find out your EX FICO score!


@haulingthescoreup wrote:

 


@score_building wrote:

Did ya'll set up email/text alert(s), lol I was checking so fiendishly that I saw the score online ages before receiving the text alert lol but should be any day now for those who joined early enough last month.  

 

IIRC in the disclaimer it says something about how they are getting it from EX and so not responsibile for delays etc.


 

I just figured that it would come on my January statement.

 

score_building, I read back three or four screens on this thread, but didn't see this --when did you join, and what day of the month did your score show up? And do you get your statement on the first? Do we all get statements on the first?


Joined last sumer...the score is generally delivered on the 15th when available, this is what it says right above my November score: 

"Next scheduled update: 12/15"   Be sure to keep your eyes peeled for the 'FICO score now available' announcement msg through tmrw if you set up an alert, lol. 
So far each statement date has been the last day of the month.  This CU is absolutely dreamy Smiley Happy  seriously IMO it is the type of CU that myfico types might set up if we could-- very supportive and all about the members/ perks, generous lending and relatively forgiving but effective u/w... was really hoping laz may take a liking and app because they may give the highest CL IMO but she got that awesome USAA approval, so don't know how to convince her now!  I heart them, they are both on my top fav 5 lenders list, for full disclosure Smiley Very Happy 
edit reason:  read much!  Based on HTSU PP that I re-read.   Makes sense the A/R would be history and not score data...there were a few posts elsewhere from a reportedly long term member saying that only a couple of softs per year were noted from PSECU.

 

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 92 of 731
haulingthescoreup
Moderator Emerita

Re: Yes, you too can join PSECU and find out your EX FICO score!

 


@score_building wrote:

 

Joined last sumer...the score is generally delivered on the 15th when available, this is what it says right above my November score: 

"Next scheduled update: 12/15"   Be sure to keep your eyes peeled for the 'FICO score now available' announcement msg through tmrw if you set up an alert, lol...

 

But do you remember if you got your score the very next month, or was there a larger gap? Just curious, because it's not as if I can do anything about the timetable. Smiley Very Happy

 

Just checked again, and it's still saying next month. Smiley Tongue

 

Yep, I've signed up for the e-mail alerts.

 

Oh well, my curiosity has sat there for 22 months, it can wait another one. Smiley Wink

* 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
Message 93 of 731
hemi961
Regular Contributor

Re: Yes, you too can join PSECU and find out your EX FICO score!

I get my score every month but they have only done soft inquiries on Exp twice in the past year, once on August 17th of 2009 and then again on October 13 of this year.  So I guess as has been suggested, there must be another avenue available to them to get the information.

Message 94 of 731
score_building
Senior Contributor

Re: Yes, you too can join PSECU and find out your EX FICO score!


@haulingthescoreup wrote:

 


@score_building wrote:

 

Joined last sumer...the score is generally delivered on the 15th when available, this is what it says right above my November score: 

"Next scheduled update: 12/15"   Be sure to keep your eyes peeled for the 'FICO score now available' announcement msg through tmrw if you set up an alert, lol...

 

But do you remember if you got your score the very next month, or was there a larger gap? Just curious, because it's not as if I can do anything about the timetable. Smiley Very Happy

 

Just checked again, and it's still saying next month. Smiley Tongue

 

Yep, I've signed up for the e-mail alerts.

 

Oh well, my curiosity has sat there for 22 months, it can wait another one. Smiley Wink


Was in with PSECU the 1st of the month, received the score the middle of the next month.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 95 of 731
haulingthescoreup
Moderator Emerita

Re: Yes, you too can join PSECU and find out your EX FICO score!

 


@score_building wrote:

@haulingthescoreup wrote:

 

But do you remember if you got your score the very next month, or was there a larger gap? Just curious, because it's not as if I can do anything about the timetable. Smiley Very Happy

 

Just checked again, and it's still saying next month. Smiley Tongue

 

Yep, I've signed up for the e-mail alerts.

 

Oh well, my curiosity has sat there for 22 months, it can wait another one. Smiley Wink


Was in with PSECU the 1st of the month, received the score the middle of the next month.


 

Ahhhh, there's hope! Smiley Very Happy

 

Boy, I'll bet they're up to their eyeballs in Harrisburg. (PSECU HQ)

* 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
Message 96 of 731
Anonymous
Not applicable

Re: Yes, you too can join PSECU and find out your EX FICO score!

Honestly, they (PSECU) are probably much busier in late August/early September when thousands of new students pour into those 14 state universities that qualify for membership.  They actively recruit membership on those campuses.

Message 97 of 731
haulingthescoreup
Moderator Emerita

Re: Yes, you too can join PSECU and find out your EX FICO score!

 


@Anonymous wrote:

Honestly, they (PSECU) are probably a lot more busy in late August/early September when thousands of new students pour into those 14 state universities that qualify for membership.  They actively recruit membership on those campuses.


Makes sense. It's easy to forget that the overwhelming majority of citizens neither know nor care that woo-hoo, you can now find out your EX FICO score. Smiley Very Happy

 

* 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
Message 98 of 731
Anonymous
Not applicable

Re: Yes, you too can join PSECU and find out your EX FICO score!

Hauling,

 

Decided to join today although my sister is a member and I could have joined through her, I joined via the Recreation and Park membership. 

 

Has anyone applied for any of their other products like cc or loans and how long as a member did you wait before applying?  Curious to know how easy it would be to get a car loan with a lower interest rate than the one I have with my scores (EQ 668, TU: 659) 

 

Thanks again guys for your valuable information on these boards!

 

Gypsy

Message 99 of 731
Anonymous
Not applicable

Re: Yes, you too can join PSECU and find out your EX FICO score!

 


@Gypsystravels wrote:

 

 

Has anyone applied for any of their other products like cc or loans and how long as a member did you wait before applying?  Curious to know how easy it would be to get a car loan with a lower interest rate than the one I have with my scores (EQ 668, TU: 659) 

 


I waited till I got my online access info, next day applied for their PSL/Visa and approved (approximately 1 day wait, since I apped on Sunday and it needed manual review)

 

Message 100 of 731
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