Navy Federal and Transunion

FAMUGrad2001 · ‎05-30-2020

Which Transunion report does NFCU use for new accounts? Do they use the same bureau for all new card accounts?

Starting Score: 545
Current Score: 656
Goal Score: 850

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thornback · ‎05-30-2020

Assuming you're asking about the score version (though you said TU Report...)

They use TU FICO 9 for new cards; EQ FICO 9 for CLIs, banking, CLOCs, and (I believe) loans.

This is in the majority of cases -- there have been instances reported of Navy pulling EQ for a new account instead of TU, or TU for a CLI instead of EQ -- but in most cases, it goes as stated above.

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

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

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.

Brian_Earl_Spilner · ‎05-30-2020

@thornback wrote:
Assuming you're asking about the score version (though you said TU Report...)

They use TU FICO 9 for new cards; EQ FICO 9 for CLIs, banking, CLOCs, and (I believe) loans.

This is in the majority of cases -- there have been instances reported of Navy pulling EQ for a new account instead of TU, or TU for a CLI instead of EQ -- but in most cases, it goes as stated above.

This.

They pulled the opposite for me initially for cards and loans. Afterwards, it was the standard pulls.