topic Navy Federal and Transunion in Credit Card Applications

Navy Federal and Transunion

FAMUGrad2001 — Sat, 30 May 2020 15:28:06 GMT

Which Transunion report does NFCU use for new accounts? Do they use the same bureau for all new card accounts?

Re: Navy Federal and Transunion

thornback — Sat, 30 May 2020 15:33:18 GMT

Assuming you're asking about the score version (though you said TU Report...)

They use TU FICO 9 for new cards; EQ FICO 9 for CLIs, banking, CLOCs, and (I believe) loans.

This is in the majority of cases -- there have been instances reported of Navy pulling EQ for a new account instead of TU, or TU for a CLI instead of EQ -- but in most cases, it goes as stated above.

Re: Navy Federal and Transunion

Brian_Earl_Spilner — Sat, 30 May 2020 15:39:15 GMT

@thornback wrote:
Assuming you're asking about the score version (though you said TU Report...)

They use TU FICO 9 for new cards; EQ FICO 9 for CLIs, banking, CLOCs, and (I believe) loans.

This is in the majority of cases -- there have been instances reported of Navy pulling EQ for a new account instead of TU, or TU for a CLI instead of EQ -- but in most cases, it goes as stated above.

This.

They pulled the opposite for me initially for cards and loans. Afterwards, it was the standard pulls.