topic Re: NASA FCU - strange credit scoring ? in General Credit Topics

NASA FCU - strange credit scoring ?

4sallypat — Wed, 07 Apr 2021 04:51:26 GMT

So I got a reminder to log into my NASA FCU account to check my score.

My EX score is 735 but they are reporting 701...

Why is their score so different than everyone else ?

Which model ?

Do they ever give offers ?

Re: NASA FCU - strange credit scoring ?

dragontears — Wed, 07 Apr 2021 04:51:58 GMT

@4sallypat wrote:
So I got a reminder to log into my NASA FCU account to check my score.

My EX score is 735 but they are reporting 701...

Why is their score so different than everyone else ?
Which model ?
Do they ever give offers ?

Their score is EX2 aka EX mortgage score.

They send me offers now and then but none of their cards interest me so I just ignore any offers.

Re: NASA FCU - strange credit scoring ?

4sallypat — Wed, 07 Apr 2021 04:52:27 GMT

@dragontears wrote:
@4sallypat wrote:
So I got a reminder to log into my NASA FCU account to check my score.

My EX score is 735 but they are reporting 701...

Why is their score so different than everyone else ?
Which model ?
Do they ever give offers ?

Their score is EX2 aka EX mortgage score.
They send me offers now and then but none of their cards interest me so I just ignore any offers.

Thanks!

Very helpful and appreciate the explanation!

Re: NASA FCU - strange credit scoring ?

K-in-Boston — Sun, 11 Apr 2021 18:54:21 GMT

As I just mentioned in another thread moved here from the mortgage subforum, it is an Experian FICO NextGen v2 score, not an Experian FICO 2 score. PenFed used to offer an EQ FICO NG v1 score before they switched to EQ 9, otherwise I am not aware of any other lenders still using or providing scores for any of the NG models.

Edit: To show this visually, here are my 5, 4 & 2 scores along with the EX NG2 score from NASA. The 542 shot is from after the NASA pull, but my previous scores for EQ and EX were the same prior to the NASA pull (TU went up a little; TU 4 is more sensitive to the number of accounts reporting a balance). So my NASA score is 33 points higher than my EX 2. Since things are weighted differently, it's very common for that NG2 score to also be significantly lower than other scores like 2 and 8.