Navy Federal Uses Own Internal Score To Approve Credit?????

[Creditplz]

When I was approved it was like 667/848??? I forgot but I got a 13.3k Flaship at 15.24% I think

[Anonymous]

@CreditMagic7@

Wait your score was higher and you got less?

NFCU why do you confuse me soo!!!😵

[waynes1982]

I wonder if I could have another card with them! I have two cash rewards already, one was a flagship that I converted over to cash rewards.

[Scupra]

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@waynes1982 wrote:
I wonder if I could have another card with them! I have two cash rewards already, one was a flagship that I converted over to cash rewards.

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Why do you have 2 cashRewards? I have seen very few people with 3 cards from Navy. If you try, please let us know the outcome.

[Anonymous]

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@Scupra wrote:

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@waynes1982 wrote:
I wonder if I could have another card with them! I have two cash rewards already, one was a flagship that I converted over to cash rewards.

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Why do you have 2 cashRewards? I have seen very few people with 3 cards from Navy. If you try, please let us know the outcome.

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+1

[wantmoremoney]

@MILOfico. Thank you very much for all your help! I am male. Don't know if you are male or female but anyway I truly appreciate all of your help and input. Yea I will probably send them a message after 15 months if nothing happens and they do not automatically unsecure my card. I did add another $500 the month after I got my secured card so that might of throw it off by a month or two! Just gone patiently wait and see by 15 or 16 months what happens! I did send them a message last night about my small starting limit on my Cash Rewards card and they did increase it by a $1000. But I still think that's a low starting limit with a 652 TU. And a 303 internal score with them. I did apply and get approved for 3 Synchrony cards about a week before I applied so I don't know if that spooked them. And I have like 18 inquiries on my TU. 6 were from Navy Federal and 5 from an auto loan I got in January.

[Anonymous]

@wantmoremoney@

No problem bro😃!!!

[Vegas4Play]

Any ides on what this intenal scoring model is, or similar to. The score range is weird.

[wantmoremoney]

I do not have any idea what the scoring model is! It's some kind of internal scoring. They might have just started their own internal credit score model since we MYFICO family members are always trying to figure what scores they use out to get approvals! I must admit it is a weird scoring number system! That's why i asked because I wanted to make sure I wasn't the only one who noticed this change!

[Scupra]

They used to use FICO 04, I think they are trying to keep us on our toes