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Alliant & NASA SPs?

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stagefoursurvivor
Established Contributor
‎03-23-2015 06:20 AM
‎03-23-2015 06:20 AM

Alliant & NASA SPs?

OK, I understand that Alliant pulls Eq  Pinnacle for CCs, so why are they doing SPs on Ex? I've been a member since last year, never applied for anything but membership and never saw a SP till recently.

Conversely, any ideas why NASA suddenly wants to do HPs when they've always done SPs randomly? What version of Ex do they use?

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 1 of 25
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IMCUTE2
Contributor
‎03-23-2015 07:45 AM
‎03-23-2015 07:45 AM

Re: Alliant & NASA SPs?

@stagefoursurvivor wrote:

OK, I understand that Alliant pulls Eq  Pinnacle for CCs, so why are they doing SPs on Ex? I've been a member since last year, never applied for anything but membership and never saw a SP till recently.

Conversely, any ideas why NASA suddenly wants to do HPs when they've always done SPs randomly? What version of Ex do they use?

Hi Stagefoursurvivor,

They use Experian the mortgage score. 

FICO08 TU 785 EQ 763 EX 744 as of 05/06/15 GOAL 800+ ALL 3 BY 2016
Message 2 of 25
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stagefoursurvivor
Established Contributor
‎03-23-2015 08:09 AM
‎03-23-2015 08:09 AM

Re: Alliant & NASA SPs?

Thanks very much although that sucks since I have no clue what that score is and no way to obtain it.!

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 3 of 25
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IMCUTE2
Contributor
‎03-23-2015 08:13 AM
‎03-23-2015 08:13 AM

Re: Alliant & NASA SPs?

You can get from Fico when you get your current Ex report. This was the same score they used for me. My Ex mortgage was 736 even though my 08Fico is 725. 

FICO08 TU 785 EQ 763 EX 744 as of 05/06/15 GOAL 800+ ALL 3 BY 2016
Message 4 of 25
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Anonymous
Not applicable
‎03-23-2015 08:14 AM
‎03-23-2015 08:14 AM

Re: Alliant & NASA SPs?

@stagefoursurvivor wrote:

Thanks very much although that sucks since I have no clue what that score is and no way to obtain it.!

You can get it purchasing a single bureau or 3 bureau report from this site.  Besides the FicO 08 score the report(s) will also give you you mortgage enhanced score, Bankcard and Auto a Enhanced scores

Message 5 of 25
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stagefoursurvivor
Established Contributor
‎03-23-2015 08:23 AM
‎03-23-2015 08:23 AM

Re: Alliant & NASA SPs?

Hmmmm, wait a second...doesn't PenFed use that version?

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 6 of 25
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IMCUTE2
Contributor
‎03-23-2015 08:36 AM
‎03-23-2015 08:36 AM

Re: Alliant & NASA SPs?

PenFed used Equifax for me not Experian. 

FICO08 TU 785 EQ 763 EX 744 as of 05/06/15 GOAL 800+ ALL 3 BY 2016
Message 7 of 25
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stagefoursurvivor
Established Contributor
‎03-23-2015 08:47 AM
‎03-23-2015 08:47 AM

Re: Alliant & NASA SPs?

OOps, yep, me too.

Get confused with all these variants, versions, internal made-up scores!

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 8 of 25
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stagefoursurvivor
Established Contributor
‎03-23-2015 08:55 AM
‎03-23-2015 08:55 AM

Re: Alliant & NASA SPs?

Oh yea forgot. I have an Ex account but, I think the score they provide is generic? I don't see an option for the mortgage Ex and I understand MyFico Ex is a FAKO

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 9 of 25
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stagefoursurvivor
Established Contributor
‎03-23-2015 09:05 AM
‎03-23-2015 09:05 AM

Re: Alliant & NASA SPs?

Don't have to concern myself with Alliant any more!

Just approved for Visa plain vanilla BUT, $15K SL(which is what I requested), 0% APR first year then, 9.24%!

Matches my highest CL Venture card

Now, I'll focus on NASA and keep amex in my rearview mirror

11/14/14 Total CL $1,100; 6/30/15 Total CL $180K
Message 10 of 25
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