NFCU Flagship QA

[creditwraith]

They use there own scoring model. It ranges from 100-450 and recently I scored like 275 and got their Cash Rewards with a 8k limit at 15%. One of my Ventures had a high UTI at the time when I apped. They send a sheet that tells you what your score was and what items drag it down. On mine, they listed High UTI on an account, recent Inq, and something else I cant remember at the moment. Looking forward to my first CLI request around 4 months because my UTI will be under 10% on every account. In October Ill probably grab their CLOC and FlagShip.

[Anonymous]

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@Anonymous wrote:
I recently applied for Navy GoReward and was approved for SL $15,500. I believe they pulled my TU and current score is high 600s. But really like the flagship card. I was wondering if they will give me a second card? Does anyone know of the possibilities? Would they pull my credit report again and hit me with another inquire? Any help would be great! Thanks everyone

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You could always forgo the second application and send them a message for a product change. They will change you over to the Flagship if you want it.

[Anonymous]

Wow that's awesome MrP thanks I might do that

[fltireguy]

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@Aduke1122 wrote:
Also they use their own scoring model along with Fico 04s I believe , I know it's not fico 08

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I applied for a loan with NFCU the other day for a new RV my SO and I are purchasing (it was aproved..).. 

Pulled EQ 681, which matches up with my FICO5 score from that day (my quarterly update was the same day) - so I am pretty sure that is what they are using

[Aduke1122]

Yes thanks Fltireguy I knew it was one of the older Fico Models , and I know they sometimes use their own model also

[Anonymous]

I think their own scoring model is just the Credit Card department. When I did a car loan I didn't get the Navy Score, but did on my CC.

[Aduke1122]

Probably so