WaMu PFICO Scores

[shark6]

HJM331, I really hope that WAMU comes through for you

I haven't received a CLI and I have had the card over a year. I'm guessing since my limit was high already and now my utilization is high as well the decided to pass me by.

My score watch had me up 9pts today and now I am matching my highest EQ score. I hope to surpass that this month. This was due to CAP 1 reporting 1 of my cards paid down and limit increasing. this card was near 90% UT but now with increase andpayment, it is now under 50%.

[Rob72830]

Rob72830, can I ask what you did between April and May that caused your scores to go up by 16pts? It seems clear that you are obviously doing the right things as your scores have increased almost by 60pts.

Great job?

BTW, I have a credit monitoring service and I still get my WAMU updates. I'm not sure what is going on this month. Another note, my Pfico seems to be a few points (5-7) lower that the Fico scores that I purchase.

Shark6, from Oct 07 to Jun 08 my Plus score has been 630. Has never varied. My PFICO has went up. From Jan 08 it was 585. Jun 08 it is 646. I don't know what has made it go up except paying on time. I got my true FICO scores while ago and here they are: TU 637, EQ 640 and EX 622. Maybe my Wamu wasn't updated because I had gotten more cc's. I do have a question though, does it take TU longer to make changes to your cr than EX? Those baddies that were changed and taken off EX last week are still on TU. Thank you.

[shark6]

Speaking for me only, Experian is by far the faster updater, followed by Transunion. Equifax is the slowest of the 3 imo.

REgarding your Ficos, it could be that your cards are aging well. Whatever, you are doing, keep it up.

[Rob72830]

Speaking for me only, Experian is by far the faster updater, followed by Transunion. Equifax is the slowest of the 3 imo.

REgarding your Ficos, it could be that your cards are aging well. Whatever, you are doing, keep it up.

Thank you. Probably in a month Transunion will be reporting the same as Experian. I am done applying for cards and now I will just let them age, keep paying my bills on time, and let the inquiries fall off. Funny how the highest score was from Equifax and I thought that was my lowest.

[hjm331]

Rob, Equifax was your highest score because they haven't reported the info that hurt your score like Experian and TransUnion did.

[Meya]

Speaking for me only, Experian is by far the faster updater, followed by Transunion. Equifax is the slowest of the 3 imo.

REgarding your Ficos, it could be that your cards are aging well. Whatever, you are doing, keep it up.

Not only does experian update promptly, they hold on to badies longer than the other two.

[hjm331]

Experian also doesn't knock off inquiries if you pull your report daily.

[Meya]

Thier system is well prepared for that

[hjm331]

TU has been updating their systems recently it might be impossible to have inquiries fall off your TU report.

[Meya]

They are, I have been reading around. We are not the only ones that noticed this. So i do believe they are finished with me because when I went on a credit beng, no one was hardley pulling from TU, it was always Ex and Eq but EX the most.

[shark6]

Meya, you are right! Experian is the hardest CB to dispute anything and have them deleted, to remove addresses, to remove inquiries etc. of all the 3.

[hjm331]

I agree.

[cireone]

Is it just me or has WaMu forgotten about updating the PFICO scores on the credit card site??????

July is almost gone and there is still no update on my accounts.

Anyone see different?????

[hjm331]

Same here

[RivasGlo]

Still no update over here