NFCU Navchek reporting is strange

EmmyWannabeOrman · ‎04-15-2014

I thought the NFCU overdraft line of credit does wonders for credit utilization and it did for my Experian score (purchased score here) which shot up 20 points since it started reporting earlier this month, but it didn't work wonders for my Transunion score which I get for free from Walmart...... is this normal? My regular utilization is about 30% before the Navchek.

Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500

Revelate · ‎04-15-2014

I'd go look at the TU report data personally: the Wally TU and the EX score here are both the FICO '08 model and within reason the scores should trend similarly for identical changes. If there's a reporting discrepancy or for whatever reason it hasn't been reported to TU yet, that might explain it.

EmmyWannabeOrman · ‎04-15-2014

Just bought my Transunion fico score here and it's now a 650! Are they the same scoring model???? Thanks I'm thrilled. How does it report with Equifax? Thanks!!!!!!

Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500