Re: NFCU EQ score different than MyFICO EQ score!

NYFan63 · ‎07-04-2014

MyFICO EQ score is 653 on 6/24...NFCU EQ score was 668 on 6/20 - what is the difference??

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

user5387 · ‎07-04-2014

MyFico is EQ 08.

I don't know what NFCU is, but if it's not EQ 08, then I would not expect the scores to match, because different formulas are being applied to the report data.

Lots of lenders use the "bankcard enhanced" models, and NFCU may also still be using 04 instead of 08.

Beyond this, if the scores are calculated at different times, then something may change on the report in the meantime.

CreditHealthy · ‎07-04-2014

I didn't realize that NFCU offered credit scores, I'm logging in to check it out

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013

NYFan63 · ‎07-05-2014

sorry for the confusion - the NFCU score was from an initial CLI rejection letter before I recon'd for an approval

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

JLK93 · ‎07-05-2014

I'm not familiar with what scoring model NFCU uses. Most credit unions seem to use EQ 04.

mato01 · ‎08-01-2014

Beore I applied to NFCU, I checked myfico scores, and for TU it was 634. On my denial letter from NFCU they said my score was 573. I don't know just hard to know.

In the Garden until 6/1/2016
Mar 2014: All Scores in the 520 range.
FEB 2016: myFICO: EQ 660, TU 682 EX 681

Anonymous · ‎08-07-2014

Look at the range they gave you and then look at the "Fico Editions" sticky to find which one matches. When NFCU gave me my score last year it was EQ04 based on the range.

NFCU EQ score different than MyFICO EQ score!

Get your FICO® Score for free

NFCU EQ score different than MyFICO EQ score!