topic Re: NFCU.....INTERNAL SCORING in Credit Cards

NFCU.....INTERNAL SCORING

Anonymous — Sat, 20 May 2017 17:04:35 GMT

I was approved for CLOC and GoRewards CC......received NFCU statement on credit report....Their internal system has me at 255....highest possible is 450. The analyst says it is a healthy score...higher than half at 58%....I guess that's good..I am excited. THANKS TO THIS FORUM and all,you guys out there...couldn't have done this without ya...you guys rock

Re: NFCU.....INTERNAL SCORING

Anonymous — Sat, 20 May 2017 17:07:36 GMT

Congratulations on your approvals! Would you be willing to share the limits that you received?

Re: NFCU.....INTERNAL SCORING

Anonymous — Sat, 20 May 2017 17:48:39 GMT

@Anonymous wrote:
Congratulations on your approvals! Would you be willing to share the limits that you received?

Sure...they are on another thread as well but...my CLOC 15K, the max on that...GoRewards CC 2900..low but a start

Re: NFCU.....INTERNAL SCORING

Anonymous — Sat, 20 May 2017 18:06:51 GMT

@Anonymous

Once you post an approval, subsequent posts either get added to the original thread or placed on a different forum as this isn't another approval.

Re: NFCU.....INTERNAL SCORING

JustBPatient — Sat, 20 May 2017 18:54:27 GMT

Well done!!

Re: NFCU.....INTERNAL SCORING

Revelate — Sat, 20 May 2017 22:47:28 GMT

Out of curiosity but what does your file look like and what are your FICO's for comparison?

Re: NFCU.....INTERNAL SCORING

Anonymous — Sat, 20 May 2017 22:52:36 GMT

Where do you find your NFCU internal scoring? Would I need to call them for that info? I was approved for the Cash rewards for 24k at 10.40% about 3 wks ago. Was thinking about the CLOC but still undecided. Thanks.

Re: NFCU.....INTERNAL SCORING

Glen_M — Sat, 20 May 2017 23:21:19 GMT

@Anonymous wrote:
Where do you find your NFCU internal scoring? Would I need to call them for that info? I was approved for the Cash rewards for 24k at 10.40% about 3 wks ago. Was thinking about the CLOC but still undecided. Thanks.

Most of the people who have posted theirs said it came in a letter from NFCU after applying for a credit card, approval or denial.

Re: NFCU.....INTERNAL SCORING

Anonymous — Sat, 20 May 2017 23:23:25 GMT

@Revelate wrote:
Out of curiosity but what does your file look like and what are your FICO's for comparison?

My file has 2 charge offs that are falling off in July...I started rebuild 2.6 yrs ago..scores were in low 500's.. only had the 2 baddies then until Cap 1 gave me a 300 QS....today I have 23 OPEN ACCTS...14 CC-7 retail-2 installment which are 1) unsecured personal loan 2) 32K auto loan Total credit 73k not counting auto, total debt 12k... AAA=11 MOS- .............EQ 649...TU 679....EX651...All accounts are 100% on time. These numbers are without the 15k CLOC or 2900 CC....GOAL by year end is to be 700'across the board.....It isn't the greatest, but I am learning every day from this site..you guys are something else...I love it here

Re: NFCU.....INTERNAL SCORING

Anonymous — Sat, 20 May 2017 23:25:48 GMT

@Anonymous wrote:
Where do you find your NFCU internal scoring? Would I need to call them for that info? I was approved for the Cash rewards for 24k at 10.40% about 3 wks ago. Was thinking about the CLOC but still undecided. Thanks.

I recieved a letter from NFCU regarding them pulling my reports and about their own scoring...I called a few days ago and no one seemed to know anything then I get this?

Re: NFCU.....INTERNAL SCORING

Anonymous — Sat, 20 May 2017 23:36:29 GMT

Hmmm.... I found the paper that the card came with in the mail but nothing about my internal score. I'll keep looking... Thanks Glen.

Re: NFCU.....INTERNAL SCORING

Anonymous — Sun, 21 May 2017 00:09:45 GMT

@Anonymous wrote:
Hmmm.... I found the paper that the card came with in the mail but nothing about my internal score. I'll keep looking... Thanks Glen.

Mine came in a letter too. I recieved quit a bit from them, but this was a 1 page letter strictly about credit reports...I have NOT recieved my CC yet, but it is posted on my online acct along with the CLOC..CHECKING-SAVINGS

Re: NFCU.....INTERNAL SCORING

CreditCuriosity — Sun, 21 May 2017 00:15:54 GMT

@Anonymous wrote:
@Anonymous wrote:
Where do you find your NFCU internal scoring? Would I need to call them for that info? I was approved for the Cash rewards for 24k at 10.40% about 3 wks ago. Was thinking about the CLOC but still undecided. Thanks.
I recieved a letter from NFCU regarding them pulling my reports and about their own scoring...I called a few days ago and no one seemed to know anything then I get this?

Did you get the best terms meaning APR? If you did lenders don't have to provide scores which could be the case?

Re: NFCU.....INTERNAL SCORING

Anonymous — Sun, 21 May 2017 00:32:56 GMT

Yes CC I did, fortunately. 10.40 is the lowest apr and is what I received.

Re: NFCU.....INTERNAL SCORING

AverageJoesCredit — Sun, 21 May 2017 02:10:42 GMT

Rty, id imagine getting approved for 24k at their lowest apr right out of the gate your internal score would be pretty high though YMMV

Re: NFCU.....INTERNAL SCORING

Anonymous — Sun, 21 May 2017 02:40:54 GMT

AJC, haha, thanks! I was still curious, even looked online but couldnt find it...I'm over it. Thanks for the info all!

Re: NFCU.....INTERNAL SCORING

K-in-Boston — Sun, 21 May 2017 04:47:20 GMT

Thank you CreditCuriousity! I was wondering where I could have possibly missed my internal score when I joined. I got the lowest APR terms on my $24k card and $15k CLOC, so now that makes sense why I didn't get the standard letter stating my credit score since they usually have explanations with why you didn't get the best terms. This sounds like the case, and if so I hope I never find out my internal score!

Re: NFCU.....INTERNAL SCORING

Anonymous — Sun, 21 May 2017 22:02:21 GMT

Hello, I was approved for a go rewards cc but denied a flagship card. they sent me a letter in the mail and my internal score was on it. its a 242,out of 450. was denied a cloc. they did a hp on eq for that and said not enough historie. ill wait 6 months. my gorewards is for 7.5k though .ill work that one

Re: NFCU.....INTERNAL SCORING

Anonymous — Mon, 22 May 2017 06:34:55 GMT

My letter stated I got a 330 out of 450, i got lower middle level interest ratres of CC and CLOC. TU Fico 08 was 585 at the time. I wonder how high the internal score needs to be to get the best rates.

Re: NFCU.....INTERNAL SCORING

Anonymous — Mon, 22 May 2017 07:05:23 GMT

I got 225 or 245 can't remember exactly but didn't get best rates but did get max CLOC 15K and 2900 CC