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Does anyone knoe the fico scoring model that Navy fed uses for their credit cards? I recently applied and was denied for a gorewards card. The letter I recieved says my transunion score is 577, but myfico transunion score, discover tu, and barclay tu all say 629. Am I missing something? Do they use fico 04 and if so how can I obtain those scoring model scores? Really sad that you never can know exactly where your scores stand even when you pay for a credit service :-(