topic Re: Is NASA FCU credit pull same as MyFico? in Credit Cards

Is NASA FCU credit pull same as MyFico?

Anonymous — Wed, 28 May 2014 18:32:30 GMT

Thinking about applying for a NASA FCU credit card but was wondering if anyone knows if they use the same Experian score model as MyFico? The MyFico score is 729, which should be sufficient, but I've seen other creditors use a different model which didn't match up what I saw on MyFico. (DCU uses Equifax but their score is 23 points lower than MyFico for example).

Re: Is NASA FCU credit pull same as MyFico?

patrick00032001 — Wed, 28 May 2014 18:36:39 GMT

Nasa FCU pulls Experian Fair Issac Classic II model, basically its a mortgage score, its range is from 320-844, the score you are getting from Myfico is now the 08 version.

Re: Is NASA FCU credit pull same as MyFico?

Anonymous — Wed, 28 May 2014 18:41:28 GMT

Does the Classic II model usually come out lower or higher than the 08 version?

Re: Is NASA FCU credit pull same as MyFico?

patrick00032001 — Wed, 28 May 2014 19:09:27 GMT

In my own personal experience, 08 always pulls higher, for an example, my version II Fico is 722 as where my Experian 08 is 755 currently. The only way your going to know is to apply and find out? I have been reading where Nasa is giving instant approvals! Best of luck!

Re: Is NASA FCU credit pull same as MyFico?

Anonymous — Wed, 28 May 2014 20:58:37 GMT

I went ahead and applied online, which it told me it couldn't verify my information after the security questions, so I had to call in to finish the application. I was told it was being sent to the lending department and should be completed in 1-2 business days, so no instant decision. I requested $20,000 and the credit score was 723 from Experian, MyFico shows 729 so pretty close.