topic Re: Apply for NFCU again? in Credit Card Applications

Apply for NFCU again?

Amber-Lissette — Tue, 09 Jul 2019 19:46:13 GMT

Apped for NFCU gorewards yesterday, denied. Today, Experian fico jumped 35 points to 646! Should I app again? I froze TU and EQ (I believe they pulled EQ, which was the lowest at 585)..thanks!

Re: Apply for NFCU again?

Anonymous — Tue, 09 Jul 2019 19:54:55 GMT

NFCU usually pulls TU for new cards & EQ for CLIs, but they have been known to mix it around, especially if you have some reports frozen...

Re: Apply for NFCU again?

Anonymous — Tue, 09 Jul 2019 20:18:29 GMT

You can’t force NFCU to pull a specific bureau and even suggesting trying to manipulate credit applications with freezes is against myFICO TOS.

NFCU rarely uses EX for anything. You’ll likely just be met with a denial again.

Re: Apply for NFCU again?

Amber-Lissette — Tue, 09 Jul 2019 20:23:15 GMT

Thanks for the input, got it!

Re: Apply for NFCU again?

CreditInspired — Tue, 09 Jul 2019 21:02:58 GMT

@Amber-Lissette wrote:
Thanks for the input, got it!

Do you already have a NFCU CC? If yes, view your FICO score there. It updated today.

Re: Apply for NFCU again?

Amber-Lissette — Wed, 10 Jul 2019 16:57:57 GMT

I do, score there is over 100 points less than what FICO8 has I thought it was an internal score. Score there is 521 while other places show my fico08 as 642 EX, 634 EQ, and 619 TU..

Re: Apply for NFCU again?

thornback — Wed, 10 Jul 2019 17:02:06 GMT

NFCU shows EQ FICO 9, not FICO 8. That's why it's different from the scores you've listed. FICO 9 seems to weigh derogatories a bit heavier than FICO 8.

@Amber-Lissette wrote:
I do, score there is over 100 points less than what FICO8 has I thought it was an internal score. Score there is 521 while other places show my fico08 as 642 EX, 634 EQ, and 619 TU..

Re: Apply for NFCU again?

Anonymous — Thu, 11 Jul 2019 15:25:56 GMT

@thornback wrote:
NFCU shows EQ FICO 9, not FICO 8. That's why it's different from the scores you've listed. FICO 9 seems to weigh derogatories a bit heavier than FICO 8.

@Amber-Lissette wrote:
I do, score there is over 100 points less than what FICO8 has I thought it was an internal score. Score there is 521 while other places show my fico08 as 642 EX, 634 EQ, and 619 TU..

I wouldn't say thats always the case. I have derogs and my FICO 9 scores are 30-60 points higher than my 8s. One is a paid charge off which I believe carries less weight for FICO 9.

Re: Apply for NFCU again?

Anonymous — Thu, 11 Jul 2019 17:44:24 GMT

@saeren

NFCU recently pulled EX for me on a CLI request They said they tried pulling EQ but couldn’t bc it was frozen which it isnt , only got an alert they tried pulling EX which is frozen and not EQ.

Re: Apply for NFCU again?

Anonymous — Thu, 11 Jul 2019 18:12:57 GMT

@Anonymous wrote:
@saeren

NFCU recently pulled EX for me on a CLI request They said they tried pulling EQ but couldn’t bc it was frozen which it isnt , only got an alert they tried pulling EX which is frozen and not EQ.

This is not normal. I wouldn’t expect them to always let you get away with this. Manipulating credit pulls using freezes is a game the credit card companies are on to — in this case they probably made an exception because EQ is their monthly AR anyway. Regardless, it’s also against the TOS here to talk about doing as it’s unethical and creditors can SP the other report anyway.

Re: Apply for NFCU again?

Anonymous — Thu, 11 Jul 2019 19:05:30 GMT

@saeren

I am aware , I wasn’t trying to get them to pull a specific report if that is how it came off. I know for a NFCU CLI they pull EQ. Was just stating that had weird experience with them pulling EX and wasn’t expecting it . NFCU emailed me after fact saying they tried to pull EQ which was not frozen, but they said it was and I had to unfreeze it to continue the CLI. never got an EQ alert and got an EX HP alert only. Have to call them up , see what happened but doesn’t matter to me which report they pull. 1HP isn’t gonna make or break anything.

Re: Apply for NFCU again?

woodyman100 — Sun, 21 Jul 2019 02:38:13 GMT

@Anonymous wrote:
@saeren

I am aware , I wasn’t trying to get them to pull a specific report if that is how it came off. I know for a NFCU CLI they pull EQ. Was just stating that had weird experience with them pulling EX and wasn’t expecting it . NFCU emailed me after fact saying they tried to pull EQ which was not frozen, but they said it was and I had to unfreeze it to continue the CLI. never got an EQ alert and got an EX HP alert only. Have to call them up , see what happened but doesn’t matter to me which report they pull. 1HP isn’t gonna make or break anything.

You may have fallen victim to the “Equifax split file conundrum”. It’s a common malady amongst MyFICO community members

Re: Apply for NFCU again?

AverageJoesCredit — Sun, 21 Jul 2019 16:32:40 GMT

Equisux or Equihack no bueno