A Special Plea to PSECU Members

[MannyLNJ]

Credit Sesame 740, PSECU 742

 

From PSECU November 3, 2012 Your Experiansm FICO ® score is: 688

Credit Sesame said I was a 707 on 11/5

[BDK]

November:

PSECU - 720

C.c - 735 est. FICO - 720 Vantage 770

CS - 740 My new badge below!

[BobWang]

Congrats, BDK!

[Randomalities]

December Scores:

 

Credit Karma TransRisk - 752

Credit Karma VantageScore - 820

Credit Sesame - 748

 

PSECU - 751

 

 

Totally clean reports.

[BobWang]

[jeff1964]

CS -728

C.c- 716

PSECU FICO 663

CK Transrisk - 735

 

I'm not sure why there's such a big difference between my actual FICO and the other scores.....any idea Bob??

 

 

[BobWang]

CS & Cc FAKOs don't seem to factor in some baddies,

 

so they tend to over-estimate when there are negative items.

[Repairerer]

Credit Sesame: 737

PSECU: 725 (Still!)

Credit.com: 794/773/853

 

It seems like Credit Sesame was the only one to consider the inquiry and new account. PSECU may have pulled too late for the new account, but not the inquiry.

[jeff1964]

CS & Cc FAKOs don't seem to factor in some baddies,

 

so they tend to over-estimate when there are negative items.

 

 

That would make sense....I have a paid state tax lien reported in 2005 and released in 2009.....it's only reporting on my EX report as I was able to get it removed from the other two bureaus...

Thought it might be that but wasn't sure....

 

 

Thanks!!!

 

[UGAFan]

Credit Sesame: 720

PSECU: 750

 

I do have some very old lates that are set to fall off within the next couple of a months to a year.

[Chupacabras]

No change this month.

[Rob G.]

Credit Sesame: 736

PSECU EXP: 660

[qwerty4]

CS: 788

EX FICO: 30 points difference.

[Woolfman]

CS 782

PSECU 747

[BDK]

November:

PSECU - 720

C.c - 735 est. FICO - 720 Vantage 770

CS - 740 My new badge below!

 

December:

PSECU - 721

C.c - 736 est. FICO - 721 Vantage 770

CS - 743

[BobWang]

^

[qwerty4]

Psecu 818

Credit sesame 781

Edited January 7, 2013 by qwerty4

[Duck Bills]

PSECU +5 703

 

Credit Seame -1 670

[iWhat]

PSECU 699

CS. 791

[Android01]

January PSECU: 811

January CS: 830

[ScoreGoals]

724 - January PSECU

757 - January Credit Sesame

 

Biggest difference yet. I think it may be due to PSECU score saying it is "as of January 2nd" - I had 2 inquiries fall of this week, taking me down to just 2, and don't think PSECU is reflecting that. Will post again in February.

[BDK]

PSECU 699

CS. 791

 

That's an awful big difference!

[UGAFan]

January:

PSECU: 748

CS: 730

[Hitch]

January:

PSECU: 762

CS: 756

 

12/17/2012 American Express: 711

If anything, the Amex score should have been just as high if not higher. Obviosly they use a different scoring model.

[chugs102]

January

 

CS 777 (+37)

PSECU 734 (-10)

 

Added 4 credit cards in the past month, 9 in the past 3 months.