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Apply for NFCU again?

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Valued Member

Apply for NFCU again?

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!
Message 1 of 13
12 REPLIES 12
Established Contributor

Re: Apply for NFCU again?

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...



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: October 1, 2019: EX 665 TU 688 EQ 675
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

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Message 2 of 13
Super Contributor

Re: Apply for NFCU again?

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. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 3 of 13
Valued Member

Re: Apply for NFCU again?

Thanks for the input, got it!
Message 4 of 13
Community Leader
Senior Contributor

Re: Apply for NFCU again?


@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.

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 5 of 13
Valued Member

Re: Apply for NFCU again?

I do, score there is over 100 points less than what FICO8 has Smiley Sad 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..
Message 6 of 13
Valued Contributor

Re: Apply for NFCU again?

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 Smiley Sad 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..

 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 10/01/2019: EX 747 ✦ EQ 728 ✦ TU 756
Current FICO 9s | 10/01/2019: EX 765 ✦ EQ 765 ✦ TU 758
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 760s


My AAOA: 2.8 years not incl. AU / 2.11 years incl. AU
My AoOA: 6.8 years not incl. AU / 8.8 years incl. AU
Report Status: Clean

Tending my Garden til 2/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 7 of 13
Frequent Contributor

Re: Apply for NFCU again?


@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 Smiley Sad 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.







Message 8 of 13
Regular Contributor

Re: Apply for NFCU again?

@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.

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Message 9 of 13
Super Contributor

Re: Apply for NFCU again?


@AMGE63 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. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 10 of 13
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