NFCU is posting Fico 9 (Equifax) Scores to your online accounts!

[Anonymous]

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@jdxprs1 wrote:
Mine is too new

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Just give it a month or so, jdx. 

[ls2016]

Under the terms right before enabling the FICO score, it states that the FICO 9 EQ score is the score used for CC products, but not necessarily for any of the other products. Now, whether they are using this exact score or taking this score and manipulating it is unknown at this point.  

[Themanwhocan]

Thanks for mentioning this. And what do you know, I finally have a 800+ classic FICO score, too bad its FICO-9.

Or rather, I had such a score... I just applied for a few new credit cards and CLI attempts. Easy come, Easy go.

[Anonymous]

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@ls2016 wrote:

Under the terms right before enabling the FICO score, it states that the FICO 9 EQ score is the score used for CC products, but not necessarily for any of the other products. Now, whether they are using this exact score or taking this score and manipulating it is unknown at this point.  

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Good catch! That's why we need to read what we sign or accept. 

[Anonymous]

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@Themanwhocan wrote:

Thanks for mentioning this. And what do you know, I finally have a 800+ classic FICO score, too bad its FICO-9.

Or rather, I had such a score... I just applied for a few new credit cards and CLI attempts. Easy come, Easy go.

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You're welcome, TMWC, and you have some awesome scores, there! 

[Anonymous]

Thanks for posting this, weedeb! Mine came right up! 

[fedxboy]

Oh this post got me all excited, but I am unforunately too new.  I enabled it and got this:

FICO® Score

We are unable to display your FICO® credit score right now. For new credit card accounts, it can take up to two billing cycles for credit scores to appear.

[Gmood1]

Thanks OP! I like these Fico 9 scores! lol

[SouthJamaica]

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@CreditCuriousity wrote:

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@SouthJamaica wrote:

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@Anonymous wrote:

Don't know if anyone else has seen or posted this, but you can view your Fico 9 credit score (Equifax) online, bi-monthly!

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Wow, thanks for that information.... I hadn't seen that. Just enabled it now.

Wonder if they're actually using that score for their account review process.

If so, it's good for me; the FICO "9" models are my best.

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They use to be my worse when they first started  providing them on this site, now they are usually my best... weird.  In my case I suspect time heals more with Fico 9 then 8 or mortgage scores

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My gut feeling is that 9 doesn't punish you as much for the 'newness' factors, i.e. inquiries, new accounts, age of oldest account, average age of accounts, most recent account.

The reason I feel that way is that my profile is entirely free of 'baddies', and the one negative in it is the 'newness' of everything. As you go back in time, among the FICO models, my scores generally get worse and worse, going as far down as 696 on EX FICO Bankcard 2. Meanwhile my 8's are 783 to 838 and my 9's are 813 to 838.

Exceptions to the rule that my 9's are better than my 8's are the TU Auto scores and Bankcard scores, where my 8's are a bit higher than my 9's.

[Anonymous]

Cool thanks for letting me know.  My FICO 9 score is 15 points higher than my FICO 8 score.