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NFCU.....INTERNAL SCORING

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Jimp2323
Regular Contributor

Re: NFCU.....INTERNAL SCORING

238 got me a cash rewards card with 1700 limit early this month;  denied CLOC

Message 21 of 32
Sandman771
Valued Contributor

Re: NFCU.....INTERNAL SCORING

Mine scored out somewhere below 260 (Honestly I can't remember), but I got the CashRewards for $2000 and dind't have enough common sense to apply for a CLOC when I applied. I'll do that on day 93 or so when I go for a CLI. Date point scores are in my signature. 

Starting Score: EQ497/TU496/EX 499
Currently: EQ 620 TU 654 EX 627
in the garden since 6/16/2021
Message 22 of 32
Anonymous
Not applicable

Re: NFCU.....INTERNAL SCORING

I was approved 1700 for cashR with an internal score of 243

 

The adverse factors they listed were:

average CL in last 12 months

balance decreases in last 3 months

% util

number of inquiries

 

I like that they include all this information on here.

Message 23 of 32
SouthJamaica
Mega Contributor

Re: NFCU.....INTERNAL SCORING


@Anonymous wrote:

I was approved 1700 for cashR with an internal score of 243

 

The adverse factors they listed were:

average CL in last 12 months

balance decreases in last 3 months

% util

number of inquiries

 

I like that they include all this information on here.


Mine was 301.  I was feeling real bad about that, until I started reading this thread.

 

My adverse factors were:

 

-number of inquiries

-limited credit experience

-number of balance decreases on non-mortgage accounts in last 3 months

-no real estate accounts reported

 

They pulled TransUnion

 

My TransUnion FICO scores at the time ranged from 706 to 781.

 

I got the Flagship Visa with a relatively low CL of 5k and relatively high interest rate of 16.24%


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 24 of 32
Anonymous
Not applicable

Re: NFCU.....INTERNAL SCORING


@Anonymous wrote:

Yes CC I did, fortunately.  10.40 is the lowest apr and is what I received.  


I recently was approved for a Cash Rewards for nearly $18k SL at the lowest 10.15%

 

Message 25 of 32
UncleB
Credit Mentor

Re: NFCU.....INTERNAL SCORING


@Anonymous wrote:

@Anonymous wrote:

Yes CC I did, fortunately.  10.40 is the lowest apr and is what I received.  


I recently was approved for a Cash Rewards for nearly $18k SL at the lowest 10.15%

 


With the recent Fed rate increase I believe the lowest rate for the Cash Rewards is now 10.40%.  Smiley Sad

 

https://www.navyfederal.org/products-services/cards/creditcards/creditcard-rates.php

Message 26 of 32
Anonymous
Not applicable

Re: NFCU.....INTERNAL SCORING


@UncleB wrote:

@Anonymous wrote:

@Anonymous wrote:

Yes CC I did, fortunately.  10.40 is the lowest apr and is what I received.  


I recently was approved for a Cash Rewards for nearly $18k SL at the lowest 10.15%

 


With the recent Fed rate increase I believe the lowest rate for the Cash Rewards is now 10.40%.  Smiley Sad

 

https://www.navyfederal.org/products-services/cards/creditcards/creditcard-rates.php


Makes sense.  I was looking through my papers trying to find my internal score at NFCU.  Can't find it.  At one time my FAKO Vantage 3.0 scores were 100 points below my FICOs.  Today, all of my scores are above 780 and within a 7 point deviation no matter which card or site I check.

 

Keep the utilization at 1-2% and your scores will go up up and up.

Message 27 of 32
jdxprs1
Frequent Contributor

Re: NFCU.....INTERNAL SCORING

I have an auto loan, cloc, and cc with nfcu and they've only ever shown me my fico score. No idea what my internal score is or how to find out.
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 28 of 32
sweetcinn
Valued Member

Re: NFCU.....INTERNAL SCORING

Mine was 243 out of 450 when I applied for my goRewards and car loan.  I only got the letter when I was approved. I was denied in the past and they sent a different letter with the regular credit scores on it.

 

Message 29 of 32
jdxprs1
Frequent Contributor

Re: NFCU.....INTERNAL SCORING

I've been approved for everything I applied for and they've only sent me fico scores. Strange. Maybe they are changing to fico scores now and that's why they are giving out fico 9 scores.
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 30 of 32
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