topic Re: WHY IS MY NFCU TU SCORE HIGHER THAN MYFICO??? in Understanding FICO® Scoring

WHY IS MY NFCU TU SCORE HIGHER THAN MYFICO???

miltolam — Mon, 03 Sep 2012 18:28:58 GMT

Happy Labor Day MyFICO community. Just the other day I received my NFCU nRewards card and they apparently pulled my TU. Just looking over the credit report disclaimer that they provided, it says that as of 8/22, my TU Fico is 664. 2 days prior, I purchased my TU FICO score from this site and it was 648. I don't think anything transpired within those two days but can anyone offer me an explanation why it's so much higher according to NFCU??? I thought your FICO scores on here are supposed to be official. Thanks in advance.

Re: WHY IS MY NFCU TU SCORE HIGHER THAN MYFICO???

DaveSignal — Mon, 03 Sep 2012 18:35:56 GMT

NFCU pulls EQ for me, and the same version as here. I didn't know they pulled TU, but if so, it must be a different version. The MyFICO TU score is old and not used by many lenders.

Re: WHY IS MY NFCU TU SCORE HIGHER THAN MYFICO???

miltolam — Mon, 03 Sep 2012 18:42:17 GMT

@DaveSignal wrote:
NFCU pulls EQ for me, and the same version as here. I didn't know they pulled TU, but if so, it must be a different version. The MyFICO TU score is old and not used by many lenders.

Believe it or not DaveSignal, they pulled my EQ (660) as well but they claimed to pull TU...so confused!!!

Re: WHY IS MY NFCU TU SCORE HIGHER THAN MYFICO???

DaveSignal — Mon, 03 Sep 2012 19:02:18 GMT

I guess they pulled both then. TU98 is an old FICO version offered here that is not often used, but better than a FAKO score because it is used occasionally. I think NFCU probably used TU04, which is the more common TU score of the three different versions available to lenders.

Re: WHY IS MY NFCU TU SCORE HIGHER THAN MYFICO???

pizzadude — Tue, 04 Sep 2012 00:56:34 GMT

I've seen NFCU pull TU98 previously ( at least for me ) ~ so it should match the score sold here at MyFICO, unless they pulled a different version...... It's certainly possible that they could have pulled a more recent model than TU98.