So AFAIK, Navy only pulls one bureau for opening a checking / savings right? Apparently they pulled TU, since creditKarma shows that inquiry. However my TU score is actually a bit up this month, per Barclay. The weird thing is, Amex shows my Experian FICO has having dropped 18 points, to 786. The ONLY new activity on any report would be the NFCU pull. But that wasn't Experian!
I went to annualcreditreport.com, and pulled Experian. Looked it over, no inquires, no lates, no negatives of any kind. It's possible my overall utilization is a bit up over last month, but it would ony be a $300-500 difference. Maybe Amex changed their score models is all I can think.
eehh, seems like it must be overall util. Experian 'factors' say revolving balances, when that wasn't mentioned before. Although my overall util (7%) hasn't changed. Maybe one of my balance transfers is still reporting on the original card, so that would add a couple grand to utilization.
They pulled Exp for membership and TU on checking for me.
