https://ficoforums.myfico.com/t5/Credit-Cards/Scoring-Version-NFCU/m-p/3855815#M1074086 <P>I finally, FINALLY, broke the 6s on all CRAs according to MyFICO. After quarterly AR, I plan to ask for a CLI with navy. I'm currently at $500 and have had the card for 10 months. Does navy use the same EQ score as MyFICO, or is it a different version? Also, when do the other versions of EQ and EX update on the 3 score monitoring? They're all showing the same info from 2/14 when I signed up.&nbsp;</P><P>&nbsp;</P><P>End goal - I'm looking to refi a 19.99 Exeter car loan within the next couple of months. I brought utilization way down, but have more room for improvement and any CLI's without HPs would be a huge help. Unfortunately, I've not gotten any love yet from Comenity (VS) or Synchrony (WM), and the last time I asked NFCU for cli (last month and I was at 593), I rec'd the 3-5 message and had to request a cancelation so it wouldn't add another HP to my tally. Any input would be super helpful. Thanks!</P> Thu, 12 Mar 2015 01:54:31 GMT Anonymous 2015-03-12T01:54:31Z https://ficoforums.myfico.com/t5/Credit-Cards/Scoring-Version-NFCU/m-p/3855815#M1074086 <P>I finally, FINALLY, broke the 6s on all CRAs according to MyFICO. After quarterly AR, I plan to ask for a CLI with navy. I'm currently at $500 and have had the card for 10 months. Does navy use the same EQ score as MyFICO, or is it a different version? Also, when do the other versions of EQ and EX update on the 3 score monitoring? They're all showing the same info from 2/14 when I signed up.&nbsp;</P><P>&nbsp;</P><P>End goal - I'm looking to refi a 19.99 Exeter car loan within the next couple of months. I brought utilization way down, but have more room for improvement and any CLI's without HPs would be a huge help. Unfortunately, I've not gotten any love yet from Comenity (VS) or Synchrony (WM), and the last time I asked NFCU for cli (last month and I was at 593), I rec'd the 3-5 message and had to request a cancelation so it wouldn't add another HP to my tally. Any input would be super helpful. Thanks!</P> Thu, 12 Mar 2015 01:54:31 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scoring-Version-NFCU/m-p/3855815#M1074086 Anonymous 2015-03-12T01:54:31Z https://ficoforums.myfico.com/t5/Credit-Cards/Scoring-Version-NFCU/m-p/3855846#M1074100 <P>EQ04 same as Capital One.</P> Thu, 12 Mar 2015 02:08:26 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Scoring-Version-NFCU/m-p/3855846#M1074100 Anonymous 2015-03-12T02:08:26Z