Sorry to hear about your denial. The only way I've seen to get the internal score is after applying for one of their credit products (credit cards or loans). To my knowledge they won't share this info with you otherwise.
@Janneman wrote:recently my application for flagship card denied. i want to check my internal score with them. have checking, saving, money market, cashRewards (now converted to platinum), pledge loan and direct depositing with this cu. denial letter mentioned internal score-254...how come?
Navy doesn't make their formula for "internal score" public, @Janneman. While some of us have hypothesized that having a variety of banking products like you do helps, there's no real proof. Maybe your score would be 188 without all those products? I believe there are FICO-type variables that go into the internal score as well, so if you have any derogatories, late pays, collections, those could be affecting you. They do seem to reward length of membership with them, so if you opened all of those accounts up in 30 days, it may not tip the scale as much in your favor as-if you did it over two years, for example. The good news is that as your length of membership increases and if you continue to build a strong overall credit file, your internal score will likely also increase.
The only way to get your internal score is by applying and getting rejected. There are no other known ways. It might be possible to ask a rep for it since as a member your their boss but I would not bet on it. If you get any kind of approval then they do not have to give you any score.
@Janneman wrote:
@Aim_High wrote:
@Janneman wrote:recently my application for flagship card denied. i want to check my internal score with them. have checking, saving, money market, cashRewards (now converted to platinum), pledge loan and direct depositing with this cu. denial letter mentioned internal score-254...how come?
Navy doesn't make their formula for "internal score" public, @Janneman. While some of us have hypothesized that having a variety of banking products like you do helps, there's no real proof. Maybe your score would be 188 without all those products? I believe there are FICO-type variables that go into the internal score as well, so if you have any derogatories, late pays, collections, those could be affecting you. They do seem to reward length of membership with them, so if you opened all of those accounts up in 30 days, it may not tip the scale as much in your favor as-if you did it over two years, for example. The good news is that as your length of membership increases and if you continue to build a strong overall credit file, your internal score will likely also increase.
Im NF member for 11 yrs..all these years hv checking a/c (my daily drive a/c), saving a/c, money market a/c, direct depositing, (since 11 yrs), pledge account. Never have any collections, late pays, no any derogatories, dti is nothing and i hv CashRewards for many years with huge CL...yet still they denied me for flagship card by saying that my internal score is 268. I hv CashRewards for many years and all other accounts for 11 yrs. What I am missing?
Not much. This kinda shows the point that having everything with them won't necessarily make one get high limits or other products rom them. Some people believe parking alot of money will open their cofers but as you can see not true. Like any lender their algos are mysterious all you can do is keep trying