NFCU CLI Denial

[Anonymous]

Quick question..

So I applied for a CLI and was denied. Sent a secure message and was still denied. I was pretty baffled considering I waited the right amount of time and that the card was used responsibly, and the credit report they pulled was from TU which is my best.

Well, I got the letter today and it says that TU reported my score as a 618. On here my TU has consistently been floating in the 670s-678s so I am wondering why the big discrepancy?

Do they use a different version of the scoring model or something? Thanks

[Anonymous]

NFCU uses a FICO model that is not FICO08 (which is what you get on this site). I believe it's FICO04? Someone with more knowledge can correct me, but I do know they don't use FICO08.

[Anonymous]

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@Anonymous wrote:

NFCU uses a FICO model that is not FICO08 (which is what you get on this site). I believe it's FICO04? Someone with more knowledge can correct me, but I do know they don't use FICO08.

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When they've pulled my TU, it was the 04 model.... which lucky for me... is higher than my 08.

[Anonymous]

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@Anonymous wrote:

NFCU uses a FICO model that is not FICO08 (which is what you get on this site). I believe it's FICO04? Someone with more knowledge can correct me, but I do know they don't use FICO08.

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Well that makes sense. Just looked and my FICO 08 is sitting pretty at 682 while my 04 is 610. That sucks. I was feeling good about that cli considering Amex just gave me a card with a 4.5k limit.

[Anonymous]

Just keep doing the right thing by your existing creditors and that 04 score will go up.

TBH, I never paid attention to any score but '08 and went on my merry way acquiring a handful of cards, using them, paying them in full (or close to it), and in the 3 months between opening the NFCU account and my last CLI with them, they bumped me $4,500 and I had *no* idea what my TU04 was at either time.