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thanks for the advice ajc reason i was asking is i think navy cloc turn me down a few months ago and the letter stated fico 05 was used but im not sure also i learned dcu uses it but probally wont apply i here there hard to land and need lots of docs
@AverageJoesCredit wrote:
No clue but wouldnt use it to gage future cc approvals. Stick with Fico 8 for now , just because its most used
@mrldp40 wrote:thanks for the advice ajc reason i was asking is i think navy cloc turn me down a few months ago and the letter stated fico 05 was used but im not sure also i learned dcu uses it but probally wont apply i here there hard to land and need lots of docs
@AverageJoesCredit wrote:
No clue but wouldnt use it to gage future cc approvals. Stick with Fico 8 for now , just because its most used
DCU uses the Equifax FICO 5 mortgage score, not Equifax FICO Bankcard score 5.
ok thanks men , my bankcd 05 is 654 but idk of anyone that uses it . my 05 mortgage is 646 this score model is fairly popular DCU CAP 1 AND NAVY have all turn me down beforeusing eq 05 i think i may qualify for a cloc but they wont pull a new report applied 2 times there using a report that has a score of 617 05 which i actually though would get my a approval i guess i should leave them alone for a few months they have been very generous to me so far
@AverageJoesCredit wrote:
Yeah probably a good idea. I still dont truely understand the cloc and why everyone seems to clamor for it. I understand it provides an overdraft protection but holy cow 15k worth. Im sure it has its uses and blessed be ,lol, to all who have and want it, i just dont think i need it
Perhaps because NFCU is generous when you have low scores. When I applied for Go Rewards I was approved for 6500 instantly with 580 FICO. So read everyone saying you should get CLOc for 15000 was denied after they pulled Equifax and Trans Union. I was kind of mad at myself for applying for something I had no need for. And got three pulls on Trans Union on the same day from NFCU. Not that it matters as I now have 11 pulls on TU and haven't been denied for anything since then.