Navy Federal Credit Union Fico 9?

Anonymous · ‎10-05-2018

So I'm sure this may have been answered but I cant find it.

I habe a navy federal secured card. When I applied they pulled Transunion. They also pulles Transunion when I applied for the for awards before the secured card....grrrr double pull, triple if you count membership.

Anywho, I looked and a fico score finally populated in the fico score section. It shows fico 9 Equifax. I'm confused. Are they foing to use Equifax for my offers and to see if I can,be unsecured? My Trans is a whole lot better and less dirty so I was happy to know that's what they were using.

Anyone have any insight on what EQ will do in relation to my account?

UpperNwGuy · ‎10-05-2018

They mostly use TU for membership and for credit cards and EQ for CLOC, but sometimes they pull EX.

Daily Carry: PenFed Power Cash • NFCU Flagship • NFCU More Rewards • Chase Freedom
Sock Drawer: PenFed Promise • NFCU cashRewards • Chase Sapphire Preferred • Chase Freedom Unlimited • United Explorer • UNFCU Azure

Anonymous · ‎10-05-2018

Gotcha! I was so confused. Thanks for clearing it up some.

Thaitea007 · ‎10-05-2018

I’m curious to why they didn’t approve you for cash rewards with your current scores?

I had a 600 and two medical collections on my TU report yet I was approved for $1000 cash rewards.

Starting Fico (6/29/18):EX 610, TU 595, EQ 603
Fico (9/1/18):EX 620, TU 599,EQ 631
(10-1-18) EX 630, TU 607, EQ 641
Goal: 670(Jan'19)

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Anonymous · ‎10-05-2018

I'm almost sure it was too many inquiries lol.

That's why I'm gardening now. Had about 17 inq at the time of applying. No collections or badies. AAoA was 10 months at the time and like 6 new accounts I think lol. 😆 app spreeeee