A Special Plea to PSECU Members

[BobWang]

+53, I can't subtract.

 

damn, i think i'm lost again.........

 

CK: 778 --> 780

PS: 786 --> 794

 

i guess i paid down all but one card and perhaps my psl / credit combo had something to do with it? i also got denied a citi card cli online, but i haven't received a report. so i dont know that was a hard pull..............

I have

 

CK 690 -> 743

CS 778 -> 780

PSECU 786 -> 794

[pabears]

+53, I can't subtract.

 

damn, i think i'm lost again.........

 

CK: 778 --> 780

PS: 786 --> 794

 

i guess i paid down all but one card and perhaps my psl / credit combo had something to do with it? i also got denied a citi card cli online, but i haven't received a report. so i dont know that was a hard pull..............

I have

 

CK 690 -> 743

CS 778 -> 780

PSECU 786 -> 794

 

 

 

yes, you are correct.........i guess i either didn't report on CB or update in SYNC with PSECU/CS. so i guess it would be "closer" to reality if you use march 1st on CK which is 732 --> 743 instead of 690 --> 743

 

 

 

 

 

EDIT: i did write 690 for some reason last month..........when, in fact, it was 693.

Edited April 13, 2012 by pabears

[BobWang]

[pabears]

 

lol........this is true.........trust me, i know, i've had my own problems, i have a tattoo of my redress number on my forehead........

 

on another note, have you considered using the supplemental information (hopefully correct, unlike mine) to construct a model. i imagine AIC might be the best way to go.......or some kinda stepwise if you want to stay archaic.........?

[sixhose]

PSECU: 601

CS: 642

USAA: 705

[Art_Vandelay]

Bob, BOTH my CS and my PSECU were the exact same thing. they both went up 31 points since last month, (YES) they are in fact DEAD even.

[stoney]

PSECU - 813

CS - 800

[BobWang]

on another note, have you considered using the supplemental information (hopefully correct, unlike mine) to construct a model. i imagine AIC might be the best way to go.......or some kinda stepwise if you want to stay archaic.........?

Good idea, I have a field for baddies, but only a couple of people have indicated they have baddies.

 

There is definitely a bi-modal flavor to the NES scoring model, I need to sit down and think about how to handle that.

[wajj]

PSECU -- 700

Credit Sesame -- 699

[BobWang]

PSECU -- 700

Credit Sesame -- 699

Pretty neat, looks like BOTH scores went up exactly 4 points from 2011

[stimpy45]

PSECU--754

CREDIT SESAME---778

[wajj]

PSECU -- 700

Credit Sesame -- 699

Pretty neat, looks like BOTH scores went up exactly 4 points from 2011

They do seem to track each other closely. I'm looking forward to 21 months from now when my judgement falls off to see how they track then too.

[BobWang]

[luckydriver]

last month PSECU 690..this month 678

 

last month CS 682 now its 692

[TXDatN]

June Scores:

 

PSECU: 671

CS: 671

[kayvebear]

June: PSECU 744 ... CS 739

[BobWang]

June Scores:

 

PSECU: 671

CS: 671

Just eyeballing reveals a pretty decent correlation.

[iWhat]

PSECU 699

Credit sesame 751

[TXDatN]

June Scores:

 

PSECU: 671

CS: 671

Just eyeballing reveals a pretty decent correlation.

 

Yup, pretty darn close I'd say.

 

Just to add, not sure if it matters or not, but CS says the score was updated on June 5th, and PSECU says it was updated on June 2nd.

[SCC]

PSECU 700 -> 693

CS 708 -> 672

Edited June 6, 2012 by SCC

[ugghh]

PSECU: 720

CS: 696

EQ Fico (pulled today) 696

[essexjet]

Just signed up and its a 640. Got a title loan over the weekend and that was a 604.

[tireredsquare]

I signed up for CS today.

 

Credit Sesame: 759

PSECU: 779

 

-20 point differance

 

USAA FAKO: 771

Edited June 8, 2012 by Shane

[stimpy45]

PSECU---740

CREDIT SESAME--758

USAA---768

[jason86423]

PSECU 751

CS- 753

USAA - 747