topic Re: Mission Credit Confidence Accuracy in General Credit Topics

Mission Credit Confidence Accuracy

Beach2023 — Mon, 17 Feb 2025 06:40:38 GMT

My TransUnion score on their Vantage model is horrible at 525. On the Mission Credit Confidence report that they use under Public Record it lists my Chapter 7 Bankruptcy being 1/25/25. This is wrong my Bankruptcy was discharged on 11/20/17. I have check all 3 credit bureaus and the information they show is correct with the 2017 discharge. Where are they getting the wrong date from? How do I fix this since it is correct at the (3) bureaus and therefore I can't dispute it? My FICO scores are all around 650. Do you think this is why my Vantage score is so low with Navy Federal?

Re: Mission Credit Confidence Accuracy

GZG — Mon, 17 Feb 2025 18:35:20 GMT

you can check your full TU report here: https://www.annualcreditreport.com/index.action

if there are any inaccuracies, you can dispute them

as stated before, Navy Federal does not use your Vantage score in its underwriting, they use a FICO score.

Re: Mission Credit Confidence Accuracy

CJ1 — Wed, 08 Oct 2025 00:32:51 GMT

I can definitely understand. I checked my NFCU MCC numbers. It said my score was 572 but I had gotten a notice it was 619, yet they did not update it on the accounts page. The only way to get true FICO,from what I've found, is here. My other scores are all over the place with the big 3.

Re: Mission Credit Confidence Accuracy

Pppoolboy — Tue, 14 Oct 2025 21:25:26 GMT

@GZG wrote:
as stated before, Navy Federal does not use your Vantage score in its underwriting, they use a FICO score.

Sort of. NFCU uses its own internal score in conjunction with FICO 9 TU for credit card applications and FICO 5 (TU?) for mortgage applications... if I recall correctly. Though don't they pull Equifax for CLIs? Someone correct me if I'm wrong.

Mission Credit Confidence gets its data through a separate company, IIRC. Can't remember who that intermediary is but it's obviously importing OP's data wrong. On the plus side, the info you see in Mission Credit Confidence is meaningless because no one uses it. So don't worry about it.