258 replies to this topic

[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 by pabears, 12 April 2012 - 09:23 PM.

[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 by SCC, 06 June 2012 - 01:40 PM.

[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.

[Shane]

I signed up for CS today.

Credit Sesame: 759
PSECU: 779

-20 point differance

USAA FAKO: 771

Edited by Shane, 08 June 2012 - 05:07 AM.

[stimpy45]

PSECU---740
CREDIT SESAME--758
USAA---768

[jason86423]

PSECU 751
CS- 753
USAA - 747