NFCU pulling older version FICO scores...anyone else?

[j_casteel]

The past couple credit apps/CLI's with NFCU I've noticed they have been pulling some different version of FICO scores than I have here and on my Wally & Discover FICO scores. I think its costing me better CLI's and I went with dealer financing than getting an auto loan through them since they approved me but at 10%. Each time they pulled either EQ and TU and both scores were on average 50pts lower than my FICO's here and my other FICO's I get.

Anyone else noticing this? I was wanting to purchase a second home next year or so, and was wanting to go through NFCU possibly but if they are pulling these lower scores than I may have to go with another lender.

thanks,

j

[j_casteel]

guess i'm the only one?

[pizza1]

Ill be able to tell you when I get my denial letter this week. I wanted to transfer over part of my limit from my nrewards card and open up a cash rewards to have a 2nd card with them, but they said I had to app first and be declined, so I apped got 3-5 and I'm positive it was a decline, so ill know the score when I get my letter this week and tell ya, lol

[TheGardner]

They use Fico04 not 08 as seen here. Score should match DCU monthly scores.

[j_casteel]

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@TheGardner wrote:

They use Fico04 not 08 as seen here. Score should match DCU monthly scores.

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I thought that may have been the issue. Other creditors I have seem to be using FICO 08 now, but NFCU still uses 04, and for some reason my 04 scores seem to be ~40-50pts lower??

[TheGardner]

Yeah, mine is 20-30 points lower aswell. 08 must score paid med collections differently that's all I can think of