topic Re: NFCU pull in Credit Card Applications

NFCU pull

glockrunner — Mon, 19 Aug 2019 14:20:11 GMT

Does anyone know which FICO 08 model NFCU pulls for their rewards card? I know it will most likely be Transunion but is it FICO 08 or FICO 08 Bankcard? I live in CT. Thank you

Re: NFCU pull

AverageJoesCredit — Mon, 19 Aug 2019 15:12:59 GMT

Navy tends to use Fico 9 but just go off your regular TU Fico 8 as a general guide. In the end Navy depends more on your internal score, dti, overall profile than just one score.

Re: NFCU pull

TryingtoBeLifeGoals — Mon, 19 Aug 2019 15:46:24 GMT

I think it may be Equifax model 8 or bank card 9. I have a card with them and the free score they give is Equifax Bankcard 9. I called to inquire about an auto loan and he told me they pull Equifax.

Re: NFCU pull

M_Smart007 — Mon, 19 Aug 2019 16:47:51 GMT

@TryingtoBeLifeGoals wrote:
I think it may be Equifax model 8 or bank card 9. I have a card with them and the free score they give is Equifax Bankcard 9. I called to inquire about an auto loan and he told me they pull Equifax.

They pull EQ for loans and CLI's.

TU for NEW Credit Cards.

Re: NFCU pull

glockrunner — Mon, 19 Aug 2019 19:53:41 GMT

Right! Consensus on these boards is TU for new cards. Looking for verification from several people that agree on which model is pulled?

So far I have 1 FICO 9.

Re: NFCU pull

M_Smart007 — Mon, 19 Aug 2019 20:13:59 GMT

@glockrunner wrote:
Right! Consensus on these boards is TU for new cards. Looking for verification from several people that agree on which model is pulled?
So far I have 1 FICO 9.

This will probably give you better insight, I hope.

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/m-p/5542910#M276042

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/td-p/3419729

Re: NFCU pull

AverageJoesCredit — Mon, 19 Aug 2019 20:22:03 GMT

My understanding is that the Fico 9 Eq that is given to us with our credit cards or on our login site is regular Fico 9 , not a bancard score though i could be wrong. For instance i know Citi gives a bancard version not regular one.