A Special Plea to PSECU Members

[iWhat]

PSECU. 699

CREDIT SESame 732

[UGAFan]

PSECU - 724

Credit Sesame - 733

[BobWang]

n=38, r=0.786

 

 

n=74, r=0.811

[myfrogger]

Deleted---CS is reporting a more accurate much higher CC balance so it makes sense my scores are way off.

Edited December 13, 2011 by myfrogger

[stimpy45]

PSECU---741

Credit Sesame---785

[BobWang]

n=41, r=0.801

 

n=79, r=0.825

 

Diff Num Percent

-30 1 2%

-20 3 7%

-10 5 12%

0 5 12%

10 4 10%

20 6 15%

30 3 7%

40 3 7%

50 4 10%

60 4 10%

70 1 2%

80 0 0%

90 1 2%

100 1 2%

[luckydriver]

today psecu 690 and sesame is 682

[goldtrad]

December PSECU update with 3 of 6 accounts reporting balances 802 down from 806 in November.

 

CS score early December with same info was 784. No baddies no inquiries.

[BW1216]

PSECU 12/7: 613???

B of A 12/9: 636

Credit Sesame 12/5: 674

Don't get how PSECU and B of A are so different. B of A was for a CLI, letter clearly states Experian FICO was used. No reason for 23 point jump in 2 days either.

Edited December 18, 2011 by BW1216

[BobWang]

n=42, r=0.801

 

n=80, r=0.824

 

Diff Freq Percent

-30 1 2%

-20 3 7%

-10 5 12%

0 5 12%

10 4 10%

20 6 14%

30 3 7%

40 3 7%

50 4 10%

60 4 10%

70 2 5%

80 0 0%

90 1 2%

100 1 2%

[qwerty4]

PSECU 12/7: 613???

B of A 12/9: 636

Credit Sesame 12/5: 674

Don't get how PSECU and B of A are so different. B of A was for a CLI, letter clearly states Experian FICO was used. No reason for 23 point jump in 2 days either.

Another user on the first page of this thread reported an even larger difference:

 

 

Group:Members

Posts:190

Joined:08-January 11

 

Posted 11 December 2011 - 01:00 PM

PSECU FICO - 725 (nov update)

BofA pulled EX fico - 786 (11/23)

CS - 727 (Dec 3 update)

 

I think BOA is likely using a bank card enhanced experian fico score, or it could be using a different model (e.g. fico 08) than PSECU utilizes.

[BobWang]

n=43, r=0.816

 

Dif Freq Percent

-35 1 2%

-30 0 0%

-25 1 2%

-20 2 5%

-15 4 9%

-10 1 2%

-5 2 5%

0 3 7%

5 3 7%

10 1 2%

15 3 7%

20 3 7%

25 3 7%

30 1 2%

35 3 7%

40 0 0%

45 1 2%

50 3 7%

55 2 5%

60 2 5%

65 1 2%

70 1 2%

75 0 0%

80 0 0%

85 0 0%

90 1 2%

95 1 2%

 

n=81, r=0.83

 

Diff Freq Percent

-90 1 1%

-50 2 2%

-45 0 0%

-40 0 0%

-35 3 4%

-30 2 2%

-25 2 2%

-20 1 1%

-15 7 9%

-10 4 5%

-5 1 1%

0 8 10%

5 9 11%

10 1 1%

15 5 6%

20 5 6%

25 6 7%

30 0 0%

35 2 2%

40 2 2%

45 2 2%

50 6 7%

55 4 5%

60 3 4%

65 1 1%

70 1 1%

75 0 0%

80 0 0%

85 0 0%

90 1 1%

95 1 1%

100 0 0%

More 1 1%

[BobWang]

 

 

[GoCardinals]

Does CS have the same number range vs FICO?

 

Nevermind...i see them there in your sig! Nice reference!

Edited December 22, 2011 by GoCardinals

[Repairerer]

I'll post mine but it will be January's, since I have to wait for Credit Sesame to update.

[GoCardinals]

I tried to sign up for CS to join in the effort....But it couldnt identify me. Never had this issue anywhere else before. Any suggestions?

 

On a random note, I just found out(after several years) that clicking the little red star next to the forum topic will take me to my last unread post! SO awesome! Ahahahaah.

[Repairerer]

The red star is good times.

 

Stab in the dark, did you freeze Experian?

[foeplay]

January updated score: 692

 

Still awaiting my PSECU score.

[BobWang]

^

[cranston3]

Jan 12, Psecu 734, CS 792

[jason86423]

jan psecu 751 cs jan 747

[UGAFan]

PSECU 732

Credit Sesame 735

Edited January 13, 2012 by UGAFan

[TheCaptain11]

PSECU 732

Credit Sesame 735

 

PSECU 683

Credit Sesame 710

 

 

 

[Repairerer]

PSECU 725 CS 728

[codax85]

PSECU 722

CS 741