NFCU New card/CL question

[j_casteel]

Epitome of YMMV I guess

[j_casteel]

You can always pull your scores from myFICO. They are true FICO's. Also, Discover is a TU FICO.

[empiror22]

well that very odd, have they sent you the paperwork saying that checked your credit with equifax yet?  what were the comments?  I have a little over 700 fico (per NFCU), i'm a student have one card for the last 3 years with them 2500 limit, they just gave me a 20k limit visa last month.  I do have 6 old bad accounts from 2010 that are paid, i have about 15k with them in savings/checking.  i don't use them for my main bank but i do keep some money there.  my wife just started this month using them as her main bank (so she is new member), score just shy of 800, income about 75k same job for 6 years after grad school she got 22.5k. 

[nitrov]

NFCU pulled TU, so maybe my TU FICO is actually right below 700, but even if that's the case, I still would have to be at least 50-75 points higher than either of them. Crazy to me! 

[j_casteel]

They pulled TU for a CC? That's strange in and of itself.

[empiror22]

I have used them a lot in the past and they have only pulled EQ,  except when i needed a recon on a loan they pull EQ and TU.  I would check your TU make sure you don't have any weird/ wrong info.

[nitrov]

---

@j_casteel wrote:
They pulled TU for a CC? That's strange in and of itself.

---

Yea, they actually pulled it twice too. I thought it was super strange. I know there's no odd stuff on there, but EQ and EX both have freezes, so maybe that's why they pulled TU?

[empiror22]

yea maybe, but becasue you have the other 2 on freeze maybe they are afraid to give you a high limit??? just a thought/ or question

[j_casteel]

I'm surprised they didn't have you thaw EQ. NFCU has only pulled TU once for me that's when I joined. ALL credit apps (CC's, LOC, & auto) have always been EQ.

[nitrov]

---

@j_casteel wrote:
I'm surprised they didn't have you thaw EQ. NFCU has only pulled TU once for me that's when I joined. ALL credit apps (CC's, LOC, & auto) have always been EQ.

---

TU I thought was also frozen. They did make me answer verification/public record questions which leads me to believe it is frozen. I would've rather them pulled EQ because I'm sure it's higher. No clue why they would've pulled TU instead, let alone twice.