Which FICO does NFCU pull ??

Anonymous — Tue, 06 Oct 2015 21:55:49 GMT

I have apped for them in the past and been denied (EQ) with a supposed score of 560s-580s .. way off from my true EQ FICO 8 which is 600. Now, my EQ is frozen due to fraud INQs and accts, so they said they will pull my EXP instead -- my EXP is consdierably higher, FICO 8 653 FICO 04 670, FICO Bankcard 8 642 and FICO Bankcard 04 is 612. Such different scores and so confusing.

My EXP report has: one charge off $420 (unpaid and in dispute) from First Premier from 2009, aging off in 6 months (sooner on TU!), an old CapOne charge off from 2013 for $250 (I am attempting GW), and 3 30-day lates from last year STUDENT LOANS (one year old). My overall UTIL is down to 30%, will be under 30% as of Sundays reporting. 100% current debt, score bumped today infact -- last colllction was removed a week ago!!! NO MORE COLLECTIONS !!!

What are my odds here? NFCU is so confsuing -- I see people get $3000- $5000 CL with sub-600 scores (590s) .. I am not wanting to waste a HP here especially because many just fell off/ were deleted by CC companies for errors. So what FICO does NFCU pull ? Does anyone know? What scores did NFCUers have on approvals and what SL ? And while we are at it, whcih FICO does DISCOVER and AMEX pull? I know Chase and BofA pull FICO 8, and CITI too. . Let's see what info we can get. I am not looking to app IMMEDIATELY, so for those who are used to my posts it's all good - this is just for future info because I love NFCU!

Re: Which FICO does NFCU pull ??

needtodobetter — Wed, 07 Oct 2015 00:43:04 GMT

They usually use EQ Fico4. I know they will also sometimes pull TU - they did that for my membership but all credit pulls have been EQ 04. I am not sure what EX score they would use. Good luck!

topic Which FICO does NFCU pull ?? in Credit Cards

Which FICO does NFCU pull ??

Re: Which FICO does NFCU pull ??