topic Re: Navy Fed CLI (Which FICO version) in Credit Card Applications

Navy Fed CLI (Which FICO version)

Mad12345 — Mon, 28 Dec 2020 02:34:24 GMT

Hello everyone. Can someone tell which FICO version Navy Fed uses for a CC credit limit increase. I think I remember reading that they pull EQ, but I don't remember which FICO version.

Re: Navy Fed (Which FICO version)

AllZero — Sun, 27 Dec 2020 21:25:14 GMT

I'm not sure, either TU9 or EQ9.

Re: Navy Fed (Which FICO version)

Mr_Mojo_Risin — Sun, 27 Dec 2020 21:39:43 GMT

I couldn't say for sure anymore. New CC apps are TU and loan products were EQ. Supposedly they've switched everything over to TU the last few months.

Re: Navy Fed (Which FICO version)

Girlzilla88 — Sun, 27 Dec 2020 22:13:24 GMT

@Mad12345 When I got mine of July this year they Checked TU for the CLI!!! I'm assuming 9, I hope this helps

Re: Navy Fed (Which FICO version)

Girlzilla88 — Sun, 27 Dec 2020 22:16:04 GMT

And @Mr_Mojo_Risin Would be right on the Card, when I checked for a Second card in August this year they pulled EQ (But they may be transistioning that over to TU as well so just check on that when it gets closer to time for you)

Re: Navy Fed (Which FICO version)

Girlzilla88 — Sun, 27 Dec 2020 22:23:29 GMT

@Mad12345 Also if you are wanting to do a CLI ask online for a possible SP!!!!

Re: Navy Fed (Which FICO version)

Shaw83 — Sun, 27 Dec 2020 22:55:34 GMT

@Mad12345 wrote:
Hello everyone. Can someone tell which FICO version Navy Fed uses for a CC credit limit increase. I think I remember reading that they pull EQ, but I don't remember which FICO version.

Should be TU, but it appears to be a combination of their scoring model as well. I know they like to use TU credit vision.

Re: Navy Fed (Which FICO version)

AverageJoesCredit — Mon, 28 Dec 2020 02:32:36 GMT

Honestly i dont pay much attention to what fico score Navy uses for a cli. You either get one or you dont. Lock reports, fill out request, and click submit

Navy rules are pretty simple and straight forward.....91/3 , 6 months cli allowances , 12 month apr redux requests and when in doubt, shoot for moon and see where the approval/denial paper lands

Re: Navy Fed CLI (Which FICO version)

gingerflower — Mon, 28 Dec 2020 03:15:50 GMT

@Mad12345

I believe it is Transunion for CLI. A month ago DH asked for a CLI and saw Transunion was pulled.

Re: Navy Fed CLI (Which FICO version)

Mad12345 — Mon, 28 Dec 2020 05:54:49 GMT

Thanks to all that replied to my question. I won't be at 91/3 until February. Just wondering which version they use because some of my scores are much higher than others. If Navy fed uses one of the lower scores, I was going to wait until my scores come up some.

Re: Navy Fed CLI (Which FICO version)

OmarGB9 — Mon, 28 Dec 2020 06:03:55 GMT

I believe it is TU9, even for CLI requests.

Re: Navy Fed CLI (Which FICO version)

growthadvocate — Mon, 28 Dec 2020 07:56:48 GMT

Hey @Mad12345 NFCU uses TU, but they have their own TU scoring model that they use for new accounts, and quite possibly for CLI's too. It ranges from 100-450.

If you received the credit disclosure letter at the time that your new card account was opened, you'll notice your "NFCU TU" score listed. I've learned that these may not be comparable to FICO 8 or 9. When I app'd recently my TU Fico 8 was an 814, but NFCU score was 331.

Re: Navy Fed CLI (Which FICO version)

Mad12345 — Mon, 28 Dec 2020 08:13:12 GMT

Yes I did notice that. Had no idea where that number came from. Thank you for your help. Mine was 322.

@growthadvocate wrote:
Hey @Mad12345 NFCU uses TU, but they have their own TU scoring model that they use for new accounts, and quite possibly for CLI's too. It ranges from 100-450.

If you received the credit disclosure letter at the time that your new card account was opened, you'll notice your "NFCU TU" score listed. I've learned that these may not be comparable to FICO 8 or 9. When I app'd recently my TU Fico 8 was an 814, but NFCU score was 331.

Re: Navy Fed CLI (Which FICO version)

Girlzilla88 — Mon, 28 Dec 2020 17:34:06 GMT

@Mad12345 I will say this and hopefully it helps but depending on your profile 650 range and up is what a Representative saw was a lot of HIT OR MISS....700 up was likely easier approved and yes they also do look at things like their Internal Score, your relationship with them (length with them) as well as your Debt to Income/UTL will play a part. ^^ But they usually start everyone out pretty low and just build quick and typically people see a bigger SL on their Second Card if you play your cards right (See what I did there) XD

Re: Navy Fed CLI (Which FICO version)

Mad12345 — Mon, 28 Dec 2020 18:53:12 GMT

@Girlzilla88 wrote:
@Mad12345 I will say this and hopefully it helps but depending on your profile 650 range and up is what a Representative saw was a lot of HIT OR MISS....700 up was likely easier approved and yes they also do look at things like their Internal Score, your relationship with them (length with them) as well as your Debt to Income/UTL will play a part. ^^ But they usually start everyone out pretty low and just build quick and typically people see a bigger SL on their Second Card if you play your cards right (See what I did there) XD

Thank you for your help.