A Special Plea to PSECU Members

[BobWang]

Pretty please.

[TXDatN]

Pretty please.

 

Sorry, I would if I could. I know you said CS will update your EX with a freeze, but mine will not. I'll check next month to see if that changes.

[visorboy1974]

CS 779

PSECU 716

[BobWang]

Pretty please.

 

Sorry, I would if I could. I know you said CS will update your EX with a freeze, but mine will not. I'll check next month to see if that changes.

Tony did say they weren't set up to pull through freezes.

 

I re-froze Experian last month, but February's CS went up 5 points.

 

Maybe it was a one-time thing for me, but I'll keep watching.

[BobWang]

[sennico]

CS -665

PSECU - 680

[UGAFan]

PSECU - 732

Credit Sesame - 742

[pabears]

PSECU - 786 ("as of 01 Mar 12")

Credit Sesame - 778 ("last accessed 05 Mar 12")

[BobWang]

PSECU - 786 ("as of 01 Mar 12")

Credit Sesame - 778 ("last accessed 05 Mar 12")

Very interesting, you went from a +8 to a -8

[pabears]

hmm.......i'm not following.......?

[BobWang]

hmm.......i'm not following.......?

You went from an overestimate of 8 points

 

CS = 778

PSECU = 770

 

to an understimate of 8 points

 

CS = 778

PSECU = 786

[GoCardinals]

627 PSECU 634 CS

[BobWang]

[Repairerer]

CS 726

PSECU 725

 

Looks like an inquiry dinged CS 3 points but did nothing to FICO.

[BobWang]

CS 726

PSECU 725

 

Looks like an inquiry dinged CS 3 points but did nothing to FICO.

I've noticed that FAKOs seem to be much more sensitive to inquiries, even to ones older than a year.

[Repairerer]

CS 726

PSECU 725

 

Looks like an inquiry dinged CS 3 points but did nothing to FICO.

I've noticed that FAKOs seem to be much more sensitive to inquiries, even to ones older than a year.

Word. A month of b* makes my USAA scores go up like 40 points or something ridiculous.

[pabears]

hmm.......i'm not following.......?

You went from an overestimate of 8 points

 

CS = 778

PSECU = 770

 

to an understimate of 8 points

 

CS = 778

PSECU = 786

 

ah, gotcha......hmm.......i reported a total of 6K at the end jan (all paid after statement closed)......then i charged around 2.5K and it reported at the end of feb..........

 

in feb i had the psecu cc/psl and one inquiry due to the card/loan..........it's good enough for me. we'll see what happens 2 cycles i plan on paying everything in full BEFORE statements close.............

[BobWang]

You'll have to experiment with your own bucket.

 

But many of us find our FICOs are lower if ALL cards have a $0.00 balance.

 

That's why we let a TINY balance report on at least one card.

[pabears]

hmm.......yea, forgot about that......so do people find that its enough to leave a smallish balance on one/few cards post or really small balances on all the cards?

 

i'm going to try it first with reporting all but one tl (of 8) to report $0 balance and one with a $10 balance.........

[BobWang]

hmm.......yea, forgot about that......so do people find that its enough to leave a smallish balance on one/few cards post or really small balances on all the cards?

 

i'm going to try it first with reporting all but one tl (of 8) to report $0 balance and one with a $10 balance.........

One card is sufficient.

 

hege reports that his scores are higher with $0's across the board though.

[Art_Vandelay]

Credit Karma-699

 

Credit Sesame-707

 

PSECU-655

 

Wal-Mart TU- 703

[luckydriver]

680 psecu

682 cs

[Teash]

I don't have PSECU but CS 786, CK 694, TU Fico 773, EX fico 739

Hope it helps

[BobWang]

I don't have PSECU but CS 786, CK 694, TU Fico 773, EX fico 739

Hope it helps

Thanks, Teash, it does help.

 

As long as someone has a FICO to compare with CS, I'm also tracking their FAKOs.

[BobWang]

My monthly plea.