Apply for NFCU again?

[Amber-Lissette]

Apped for NFCU gorewards yesterday, denied. Today, Experian fico jumped 35 points to 646! Should I app again? I froze TU and EQ (I believe they pulled EQ, which was the lowest at 585)..thanks!

[Anonymous]

NFCU usually pulls TU for new cards & EQ for CLIs, but they have been known to mix it around, especially if you have some reports frozen...

[Anonymous]

You can’t force NFCU to pull a specific bureau and even suggesting trying to manipulate credit applications with freezes is against myFICO TOS. 

NFCU rarely uses EX for anything. You’ll likely just be met with a denial again. 

[Amber-Lissette]

Thanks for the input, got it!

[CreditInspired]

---

@Amber-Lissette wrote:
Thanks for the input, got it!

---

Do you already have a NFCU CC? If yes, view your FICO score there. It updated today.

[Amber-Lissette]

I do, score there is over 100 points less than what FICO8 has I thought it was an internal score. Score there is 521 while other places show my fico08 as 642 EX, 634 EQ, and 619 TU..

[thornback]

NFCU shows EQ FICO 9, not FICO 8.  That's why it's different from the scores you've listed.   FICO 9 seems to weigh derogatories a bit heavier than FICO 8. 

---

@Amber-Lissette wrote:
I do, score there is over 100 points less than what FICO8 has I thought it was an internal score. Score there is 521 while other places show my fico08 as 642 EX, 634 EQ, and 619 TU..

---

[Anonymous]

---

@thornback wrote:

NFCU shows EQ FICO 9, not FICO 8.  That's why it's different from the scores you've listed.   FICO 9 seems to weigh derogatories a bit heavier than FICO 8. 

---

@Amber-Lissette wrote:
I do, score there is over 100 points less than what FICO8 has I thought it was an internal score. Score there is 521 while other places show my fico08 as 642 EX, 634 EQ, and 619 TU..

---

---

I wouldn't say thats always the case.  I have derogs and my FICO 9 scores are 30-60 points higher than my 8s. One is a paid charge off which I believe carries less weight for FICO 9.

[Anonymous]

@saeren

NFCU recently pulled EX for me on a CLI request They said they tried pulling EQ but couldn’t bc it was frozen which it isnt , only got an alert they tried pulling EX which is frozen and not EQ.

[Anonymous]

---

@Anonymous wrote:
@saeren

NFCU recently pulled EX for me on a CLI request They said they tried pulling EQ but couldn’t bc it was frozen which it isnt , only got an alert they tried pulling EX which is frozen and not EQ.

---

This is not normal. I wouldn’t expect them to always let you get away with this. Manipulating credit pulls using freezes is a game the credit card companies are on to — in this case they probably made an exception because EQ is their monthly AR anyway. Regardless, it’s also against the TOS here to talk about doing as it’s unethical and creditors can SP the other report anyway.