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Frequent Contributor
Posts: 303
Registered: ‎08-20-2010
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Which FICO score version does Navy federal credit union NFCU pull?

does anyone know for sure which version of fico NFCU uses?

Last app 1/2/2017.
In the garden until at least 6/2/2017.
Regular Contributor
Posts: 217
Registered: ‎02-22-2017

Re: Which FICO score version does Navy federal credit union NFCU pull?

NFCU uses their own internal scoring system that ranges from I think 100-450 off the top of my head.
New Contributor
Posts: 417
Registered: ‎02-07-2017

Re: Which FICO score version does Navy federal credit union NFCU pull?

[ Edited ]

Does that internal model correspond in any way to the FICO scores - that is, is it possible to take the NFCU score and match it up to an equivalent FICO score?

Rebuilding credit since 2015 (BK filed 8/14, discharged 12/14) - started out in 570's, now approaching 700 (FICO 4/17:TU 627/EX 662/EQ 659 FICO 8 or 690 NG 2, VS 3.0 4/21/17: TU 684/EX 685/EQ 691)! $951 Cap One secured/$3000 Cap One unsecured/$800 Amazon Prime Store Card/$2500 Discover It (NEW 03-21-17)/$10k PenFed used car loan/$5k Navient student loan. In the garden until Sept. 2017 unless I get an offer I can't possibly refuse...
New Contributor
Posts: 62
Registered: ‎07-08-2011

Re: Which FICO score version does Navy federal credit union NFCU pull?

[ Edited ]

They use there own internal scoring systems, but also tend to use FICO 4 for loans and mortgages from the last conversations with a loan officer in January.

 

I just focus to make sure my FICO 4 is decent with NFCU since they tend to lean on that more than there own internal scoring system.

 

Frequent Contributor
Posts: 303
Registered: ‎08-20-2010
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Re: Which FICO score version does Navy federal credit union NFCU pull?

Fico 4 is transunion. So they always pull transunion?
Last app 1/2/2017.
In the garden until at least 6/2/2017.
New Contributor
Posts: 62
Registered: ‎07-08-2011
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Re: Which FICO score version does Navy federal credit union NFCU pull?


jdxprs1 wrote:
Fico 4 is transunion. So they always pull transunion?

They tend to pull whatever they feel like, the way people like to freeze stuff up to avoid them using a specific CB. But they are heavy on EQ and TU, for me personally I been only hit on EQ for all my CC and or personal loan. My wife has been hit up on both TU and EQ but her reports aint perfect either, mine has zero issues. Her scores tend to be lower also usually sits in the 640-680 range on FICO 4.

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Regular Contributor
Posts: 217
Registered: ‎02-22-2017
0

Re: Which FICO score version does Navy federal credit union NFCU pull?

When I joined, they pulled my TU for membership, TU for the credit card and EQ for the CLOC. 

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