Navy Federal Uses What Fico Score Model to approve Credit Cards

[wantmoremoney]

Trying to see if anyone knew exactly what fico scoring model does NFCU use to approve credit cards. Have tried twice to get a credit card and the score range they sent me stated it was from Equifax and ranged from 334 to 818.

[Anonymous]

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@wantmoremoney wrote:

Trying to see if anyone knew exactly what fico scoring model does NFCU use to approve credit cards. Have tried twice to get a credit card and the score range they sent me stated it was from Equifax and ranged from 334 to 818.

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That is the range for Equifax 5 which is based on the Fico 04 model

[wantmoremoney]

Thanks alot for that info! Appreciate it!

[Anonymous]

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@wantmoremoney wrote:

Thanks alot for that info! Appreciate it!

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You're very welcome.  Keep trying with them.  It's worth the effort.

[pizza1]

OP...Give us a little background so we can maybe help a little better, plus we have a poster here who is pretty much expert on anything Navy...

How long have you been a member with them? What acts do you have currently with Navy ? what are your scores?

[wantmoremoney]

I been with Navy Federal since 4/2015. I applied right away for a Nrewards and was not approved. I got the secured credit card at $500 and a month later raised it to $1000. I think my fico08 scores were around TU622 EX602 and EQ597 at that time. I had a lot of inquiries on my Equifax the times I applied because that's the bureau everyone pulled when I oped up checking accounts , credit cards and Navy Federal. I have 22 inquiries on my Equifax now and I have froze it because of that. If only I would have known about myfico and these great people before I applied for anything I would be in a much better position!!

[wantmoremoney]

I also have checking & savings with them. Direct deposit with them. And also an easy start cd with them.

[Anonymous]

Are you paying off your balances with them every month?  What is your utilization?  Any negative items (non inquiries)?

you can also SM them to recon.