NASA FCU scoring guidlines

[Anonymous]

So I apped for a line of credit with nasa, they pulled experian and said I was declined because I scored outside there scoring guidlines, they listed experian at 705.... Just wondering what there guidlines are??

[Anonymous]

I was wondering the same thing. I was declined for a cc with a 691 Fico score. They must have a different internal scoring.

[creditguy]

I believe they pull your EX Fico 2 bankcard score.

[Gmood1]

They must have tighten up? If I'm not mistaken they had me at a 701 with their scoring model last year. I was approved for a CC but not PLOC.

[takeshi74]

No idea.  We don't have access to such details.  All we can do is try to analyze aggregated anecdotal evidence but that isn't necessarily a reliable approach.  Call and ask them.  Make sure you're also considering the specific scoring model any time you reference any score.

[lhcole77]

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@takeshi74 wrote:

No idea.  We don't have access to such details.  All we can do is try to analyze aggregated anecdotal evidence but that isn't necessarily a reliable approach.  Call and ask them.  Make sure you're also considering the specific scoring model any time you reference any score.

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^ This.

Last summer I called to ask about score needed for best terms on personal loan. I forget what they said but I was just shy of their required score. FICO 8 was well above but, as previously mentioned, they use a different version.

@I went for PLOC instead becuase I got best terms on that @ 8.5%.