Navy Federal Credit Union

Stevielynx · ‎01-28-2016

NFCU uses Fico 8 (usually Transunion) rather than the auto version, correct?

bsal · ‎01-29-2016

Thought they used equifax

Anonymous · ‎01-29-2016

Navy Fed has only ever pulled my Equifax. I have two CC's and a car loan with them.

Anonymous · ‎01-30-2016

@Stevielynx wrote:
NFCU uses Fico 8 (usually Transunion) rather than the auto version, correct?

What bureau a lender pulls for you is based on your state / region. So your best bet here is to consult the credit pull database.

bsal · ‎01-30-2016

How do you consult the credit pool database where is that @yes-its-me ?

undrtkr65 · ‎01-30-2016

I think they use beacon 5.0 equifax unless you have equifax frozen they will pull transunion but only for credit cards. Any loan products they will ask you to unfreeze equifax thats what they asked me to do except for a credit card application. They wouldn't refinance my car but approved me for the cloc for 15k with the same hardpull. Will try again in a few months.

Anonymous · ‎02-01-2016

@bsal wrote:
@Anonymous do you consult the credit pool database where is that @Anonymous ?

We are not allowed to link it here but just google "credit pull databse" and it is the first link on top after the search pops up.

Anonymous · ‎02-01-2016

I got a credit card about two week ago, then last week applied and got approved for an auto loan.... I haven't seen a hard pull for the auto yet, but if they are using a old credit pull from my credit card app , then equifax was pulled.