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Frequent Contributor
Posts: 451
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.
Frequent Contributor
Posts: 482
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.

Last HP-3/24/17
Frequent Contributor
Posts: 889
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 6/28:TU 646/EX 680/EQ 677 FICO 8 or 690 NG 2, VS 3.0 6/21/17: TU 696/EX 684/EQ 693)! $951 Cap One secured Platinum/$3000 Cap One Quicksilver/$800 Amazon Prime Store Card/$3300 Discover It/$4000 Overstock Store Card/$1200 Walmart Store Card/$2000 Apple FCU Platinum Visa/$10k PenFed used car loan/$5k Navient student loan. Back in the garden as of 6/21/17 until at least Sept. 2017 unless I get a preapproval I can't refuse...
Contributor
Posts: 77
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.

 

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Posts: 451
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.
Contributor
Posts: 77
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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Frequent Contributor
Posts: 482
Registered: ‎02-22-2017
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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. 


Last HP-3/24/17

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