topic Re: NFCU FICO scores? in Credit Cards

NFCU FICO scores?

simi_go — Mon, 16 Sep 2013 18:50:12 GMT

When you get your scores from NFCU after applying for a card or loan, are the scores you get true FICO, or Fako scores?

Re: NFCU FICO scores?

Creditaddict — Mon, 16 Sep 2013 19:45:03 GMT

@simi_go wrote:
When you get your scores from NFCU after applying for a card or loan, are the scores you get true FICO, or Fako scores?

True I beieve.

Re: NFCU FICO scores?

Eightiron — Mon, 16 Sep 2013 20:02:02 GMT

They can't be a true FICO.

Re: NFCU FICO scores?

Anonymous — Mon, 16 Sep 2013 20:16:34 GMT

When I received my TU score in a letter for my Navchek app, it matched my TU FICO exactly at 712 at the time. It was the only score I received from them despite the other cc apps I made.

Re: NFCU FICO scores?

Eightiron — Mon, 16 Sep 2013 20:22:04 GMT

@Anonymous wrote:
When I received my TU score in a letter for my Navchek app, it matched my TU FICO exactly at 712 at the time. It was the only score I received from them despite the other cc apps I made.

I have received two letter showing my TU score as 788, That is not my true FICO score. I wonder why some seem to be true, and some arent.

Re: NFCU FICO scores?

simi_go — Mon, 16 Sep 2013 20:24:12 GMT

Mine matched as well my eq from scorewatch, just have not pulled a TU recently and the TU score was 17 points above my Wal-Mart score

Re: NFCU FICO scores?

pgblb — Mon, 16 Sep 2013 20:46:46 GMT

They recently pulled my EQ for my cashrewards visa and the fico score they gave me matched myfico exactly.

Re: NFCU FICO scores?

TG76 — Mon, 16 Sep 2013 21:39:59 GMT

@simi_go wrote:
When you get your scores from NFCU after applying for a card or loan, are the scores you get true FICO, or Fako scores?

They pulled EQ for me a month ago for an Auto loan, and it matched Myfico exactly. I also remember for my Flagship, the score also matched. So for me, 2 different pulls, both EQ, and both matched the score from here.

Re: NFCU FICO scores?

Eightiron — Mon, 16 Sep 2013 23:57:11 GMT

Does anyone else have the same erperience as me? I'm starting to wonder why mine isnt a true fico, but everyone else's seems to be.

Re: NFCU FICO scores?

simi_go — Tue, 17 Sep 2013 03:12:04 GMT

Well I just got home and looked again, even though the score on my letter is the exact same as myFICO on the same date, their scoring seems to go from 334 to 818, so guess it can't be a true FICO, but on TU it goes from 341 to 850, so unless I am wrong it is not a true FICO either.

Re: NFCU FICO scores?

Scupra — Tue, 17 Sep 2013 03:31:06 GMT

Both EQ and TU were spot on for me with myFICO scores

Re: NFCU FICO scores?

Anonymous — Tue, 17 Sep 2013 10:15:27 GMT

Eighth iron,

Where you grabbing tu score to compare to? What is difference

Re: NFCU FICO scores?

Eightiron — Wed, 18 Sep 2013 17:26:36 GMT

I'm getting my TU score, from TU directly. Which had me at 723 at the time. Since then, if any movment, would have gone down due to new accounts. NFCU, has me at 788. That is quite the difference....

Re: NFCU FICO scores?

calihlove75 — Wed, 18 Sep 2013 18:48:20 GMT

@Eightiron wrote:
I'm getting my TU score, from TU directly. Which had me at 723 at the time. Since then, if any movment, would have gone down due to new accounts. NFCU, has me at 788. That is quite the difference....

The score from TU's site is fako.

Re: NFCU FICO scores?

Eightiron — Wed, 18 Sep 2013 20:44:37 GMT

Either way, I can guarantee, atleast for TU, that NFCU does not use a true Fico. The scoring system showing only goes to 843 I believe it said. But I can assure you, my true TU fico(even if the number from TU site is fako) is not 788. No possible way. I certainly wish it was. I may be the only person with NFCU who didnt get a true FICO, but they did not show me a true FICO score, and they have sent 2 seperate letters showing my score as 788.

Re: NFCU FICO scores?

calihlove75 — Wed, 18 Sep 2013 20:56:34 GMT

http://www.mlslistings.com/NewsRoom/Buying-Selling-Tips/understanding-credit-scores

Perhaps, not all fico scoring models are 0-850

Re: NFCU FICO scores?

j_casteel — Wed, 18 Sep 2013 21:24:21 GMT

NFCU scores have always matched myFICO scores for me

Re: NFCU FICO scores?

Scupra — Wed, 18 Sep 2013 23:13:13 GMT

@Eightiron wrote:
Either way, I can guarantee, atleast for TU, that NFCU does not use a true Fico. The scoring system showing only goes to 843 I believe it said. But I can assure you, my true TU fico(even if the number from TU site is fako) is not 788. No possible way. I certainly wish it was. I may be the only person with NFCU who didnt get a true FICO, but they did not show me a true FICO score, and they have sent 2 seperate letters showing my score as 788.

NFCU's TU score was on the dot to what I get from myFICO.com Like already stated a score directly from TU is actually a FAKO.

Re: NFCU FICO scores?

Eightiron — Thu, 19 Sep 2013 00:25:02 GMT

@Scupra wrote:
@Eightiron wrote:
Either way, I can guarantee, atleast for TU, that NFCU does not use a true Fico. The scoring system showing only goes to 843 I believe it said. But I can assure you, my true TU fico(even if the number from TU site is fako) is not 788. No possible way. I certainly wish it was. I may be the only person with NFCU who didnt get a true FICO, but they did not show me a true FICO score, and they have sent 2 seperate letters showing my score as 788.
NFCU's TU score was on the dot to what I get from myFICO.com Like already stated a score directly from TU is actually a FAKO.

Like I said, either way, there is no possible way my true TU FICO is a 788.

Re: NFCU FICO scores?

j_casteel — Thu, 19 Sep 2013 01:54:47 GMT

How come your TU FICO could not be 788? Have you pulled each model to confirm?