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TRANSRISK SCORE

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Anonymous
Not applicable

TRANSRISK SCORE

Has anyone here ever checked their Transrisk score via a Juniper/Barclay CC? I ask because it seems to be way the hell off well you take into account your TU PFICO score through Wamu, EX, & EQ. I dont mind putting my scores out there because I want to see if this has happened to anyone else.
 
EQ FICO: 695
 
TU PFICO: 690
 
EX FICO: 708
 
TRANSRISK: 569.....Funny thing is it was a 597 from 3 months ago yet I paid off more debt, had something removed from CR, yet it dropped. Im glad its considered a FAKO score because I would be highly pissed, excuse me for that but do you feel my point. If anyone has anything close to this situation, I would like to know
Message 1 of 16
15 REPLIES 15
smallfry
Senior Contributor

Re: TRANSRISK SCORE



@Anonymous wrote:
Has anyone here ever checked their Transrisk score via a Juniper/Barclay CC? I ask because it seems to be way the hell off well you take into account your TU PFICO score through Wamu, EX, & EQ. I dont mind putting my scores out there because I want to see if this has happened to anyone else.
EQ FICO: 695
TU PFICO: 690
EX FICO: 708
TRANSRISK: 569.....Funny thing is it was a 597 from 3 months ago yet I paid off more debt, had something removed from CR, yet it dropped. Im glad its considered a FAKO score because I would be highly pissed, excuse me for that but do you feel my point. If anyone has anything close to this situation, I would like to know



My Transrisk score has not changed one point since May.
Message 2 of 16
Anonymous
Not applicable

Re: TRANSRISK SCORE

Smallfry.........before my score changed also, it had went unchanged since the end of June. I dont know what these CC companies are doin. They offer you a service yet it doesnt even update every month. Its like whats the point if you update every quarter and in your case it hasnt updated in 5 months, whats that all about
Message 3 of 16
Anonymous
Not applicable

Re: TRANSRISK SCORE

Hi DTG...The TransRisk score at Barclay/Juniper site is based on possible scores from 100-900 compared to Fico range of 350-850.  I'm not sure what bearing it has on anything or what good it does me to know my score. In 1 year I've only recently been shown one change...from 617 to 647. At the same time my PFICO at WaMu site is 736 and TransCredit scores are TU 696, EX 688, EQ 702. I do know that ALL of these scores have continued to rise over the last couple of years though...and that makes me smile.Smiley Happy
Message 4 of 16
Anonymous
Not applicable

Re: TRANSRISK SCORE

Hi DGT12878,

 

I also have the Juniper/Barclay CC and my Transrisk score says I have a 542 credit score.  When I look at my FICO score from my Providian/WaMu card, I show a 721 score.  This shocked me so much when I first saw this!  I just didn't think my credit score could go down that much within a few months or be that different between two different CC's.  I read the reply above about the range for the Transrisk score being from 100-900 and FICO score being 300-850, so that made me feel a little better.  I still think there should be just ONE standard way to JUDGE people's credit score. Smiley Mad  Anyway, just thought I'd let you know this happened to me too! Smiley Wink

Message 5 of 16
Junejer
Moderator Emeritus

Re: TRANSRISK SCORE

Hi zenchic, welcome to the forums. Please read credit scoring 101 stickied at the top of this board and others in our forums.

First, this is a one year old thread and many of the members have moved on. Secondly, a transrisk score is what we affectionately call a FAKO score around here. It means absolutely nothing. Lenders don't use it, so neither should you. Your WaMu score is a PFICO score, which is a real FICO that is more heavily weighted on your CC activity. If you want your true classic FICO score, you have come to the right place. If you do buy it, just remember to google "FICO discount codes" first.

Finally, feel free to continue to browse around, but by all means if you have a question, start your own thread and pose the question there. We are a very friendly bunch, and will do our best to answer your questions.






Starting Score: 469
Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Message 6 of 16
Anonymous
Not applicable

Re: TRANSRISK SCORE

Byrdman, these posts are "resurrected" because they can be.  If it is a policy of this forum not to re-open posts that are several months or a year old, then these should be locked by the mods.  This will eliminate this problem.  If they are not locked, it is unreasonable to expect this not to happen.

Message 7 of 16
llecs
Moderator Emeritus

Re: TRANSRISK SCORE

Ignore the transrisk score. Mine is around 450 with a matching 650 or so for FICO. A 200 point swing isn't all that reliable to based an opinion on.
Message 8 of 16
Junejer
Moderator Emeritus

Re: TRANSRISK SCORE

Did I say that the thread couldn't be resurrected? No! What I did say was that she would have more of a success starting her own thread. If you bothered to read her post, she was actually saying something to a member that hasn't signed on in nearly a year, so I told her what I told her so that she would not be sitting there expecting an answer from someone who has moved along already.






Starting Score: 469
Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Message 9 of 16
Barry
Administrator Emeritus

Re: TRANSRISK SCORE


Boscoe wrote:

Byrdman, these posts are "resurrected" because they can be.  If it is a policy of this forum not to re-open posts that are several months or a year old, then these should be locked by the mods.  This will eliminate this problem.  If they are not locked, it is unreasonable to expect this not to happen.


Hello Boscoe... Please keep in mind that the mods here generously volunteer their time so that we can all enjoy the best experience possible. So, let's keep things friendly, supportive, and respectful, OK? Your cooperation would be appreciated!

-Barry
Message 10 of 16
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