does anyone know for sure which version of fico NFCU uses?
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?
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.
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.
When I joined, they pulled my TU for membership, TU for the credit card and EQ for the CLOC.
Does anyone know what they might pull in Wisconsin?
See above. It does NOT seem to be state specfic