Jump to content




Welcome to CreditBoards!


Sign In 

Create Account
Welcome to CreditBoards! Like most online communities, you must register to post in our community, but don't worry - this is a simple process requiring minimal information for you to sign up. Be a part of CreditBoards by signing in or creating an account.
  • Start new topics and reply to others
  • Subscribe to topics to get email updates
  • Get your own profile page and make new friends
  • Send personal messages to other members.
 
Guest Message by DevFuse

Read These Items!

  • If you're getting an Authentication mismatch error: Clear your cache. Log out of CB. Delete your cookie. Close your browser. Open your browser and log back in.

Photo

A Special Plea to PSECU Members


  • Please log in to reply
258 replies to this topic

#51 iWhat

iWhat

    Bump Influence XXXIII

  • Members
  • 2,978 posts

Posted 12 December 2011 - 04:00 PM

PSECU. 699
CREDIT SESame 732



#52 UGAFan

UGAFan
  • Members
  • 581 posts

Posted 12 December 2011 - 04:12 PM

PSECU - 724
Credit Sesame - 733

#53 BobWang

BobWang

    Bump Influence <3

  • Members
  • 34,281 posts

Posted 12 December 2011 - 04:26 PM

Posted Image
n=38, r=0.786


Posted Image
n=74, r=0.811

#54 myfrogger

myfrogger
  • Members
  • 330 posts

Posted 12 December 2011 - 10:16 PM

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

Edited by myfrogger, 12 December 2011 - 10:18 PM.


#55 stimpy45

stimpy45
  • Members
  • 87 posts

Posted 18 December 2011 - 08:49 AM

PSECU---741
Credit Sesame---785

#56 BobWang

BobWang

    Bump Influence <3

  • Members
  • 34,281 posts

Posted 18 December 2011 - 11:21 AM

Posted Image
n=41, r=0.801

Posted Image
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%

#57 luckydriver

luckydriver
  • Members
  • 3,601 posts

Posted 18 December 2011 - 11:40 AM

today psecu 690 and sesame is 682

#58 goldtrad

goldtrad
  • Members
  • 4,408 posts

Posted 18 December 2011 - 11:54 AM

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.

#59 BW1216

BW1216

    Bump Influence VI

  • Members
  • 1,737 posts

Posted 18 December 2011 - 12:59 PM

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 by BW1216, 18 December 2011 - 12:59 PM.


#60 BobWang

BobWang

    Bump Influence <3

  • Members
  • 34,281 posts

Posted 18 December 2011 - 02:08 PM

Posted Image
n=42, r=0.801

Posted Image
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%

#61 qwerty4

qwerty4

    Bump Influence Scroll Keeper II

  • Members
  • 831 posts

Posted 18 December 2011 - 03:30 PM

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.

#62 BobWang

BobWang

    Bump Influence <3

  • Members
  • 34,281 posts

Posted 21 December 2011 - 12:25 PM

Posted Image
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%

Posted Image
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%

#63 BobWang

BobWang

    Bump Influence <3

  • Members
  • 34,281 posts

Posted 21 December 2011 - 04:15 PM

Posted Image

Posted Image

Posted Image

#64 GoCardinals

GoCardinals
  • Members
  • 355 posts

Posted 21 December 2011 - 09:31 PM

Does CS have the same number range vs FICO?

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

Edited by GoCardinals, 21 December 2011 - 09:33 PM.


#65 Repairerer

Repairerer

    Bump Influence Scroll Keeper IV

  • Members
  • 6,365 posts

Posted 21 December 2011 - 09:36 PM

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

#66 GoCardinals

GoCardinals
  • Members
  • 355 posts

Posted 21 December 2011 - 09:57 PM

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.

#67 Repairerer

Repairerer

    Bump Influence Scroll Keeper IV

  • Members
  • 6,365 posts

Posted 21 December 2011 - 09:59 PM

The red star is good times.

Stab in the dark, did you freeze Experian?

#68 foeplay

foeplay

    Bump Influence IV

  • Members
  • 7,318 posts

Posted 04 January 2012 - 09:35 AM

January updated score: 692

Still awaiting my PSECU score.

#69 BobWang

BobWang

    Bump Influence <3

  • Members
  • 34,281 posts

Posted 13 January 2012 - 12:19 PM

^

#70 cranston3

cranston3
  • Members
  • 264 posts

Posted 13 January 2012 - 01:01 PM

Jan 12, Psecu 734, CS 792

#71 jason86423

jason86423
  • Members
  • 285 posts

Posted 13 January 2012 - 02:06 PM

jan psecu 751 cs jan 747

#72 UGAFan

UGAFan
  • Members
  • 581 posts

Posted 13 January 2012 - 02:12 PM

PSECU 732
Credit Sesame 735

Edited by UGAFan, 13 January 2012 - 02:19 PM.


#73 TheCaptain11

TheCaptain11
  • Members
  • 171 posts

Posted 13 January 2012 - 02:23 PM

PSECU 732
Credit Sesame 735


PSECU 683
Credit Sesame 710




#74 Repairerer

Repairerer

    Bump Influence Scroll Keeper IV

  • Members
  • 6,365 posts

Posted 13 January 2012 - 02:29 PM

PSECU 725 CS 728

#75 codax85

codax85
  • Members
  • 27 posts

Posted 13 January 2012 - 02:36 PM

PSECU 722
CS 741




0 user(s) are browsing this forum

0 members, 0 guests, 0 anonymous users



© Copyright 2003 - 2013 Creditboards.com. All rights reserved. No portion of this site may be reproduced without explicit permission from the owners. The content of creditboards.com is subject solely to the personal whim of its admins. We reserve the right, at our sole discretion, to remove any and all posts or comments, at any time, for any reason which takes our entirely capricious fancy, or for no particular reason whatsoever, without restriction. Comments or questions regarding the site may be addressed to admin@creditboards.com.