NFCU FICO scores

[babbles]

I tried to research to see if this question has been asked but has anyone noticed NFCU's FICO 8 scores are different than the official FICO scores itself?  They are  lower on the day  NFCU pulls  them from somewhere and posts to your  account page.  I wrote to them and explained I have an official FICO account and their numbers are quite different but they claim those are my FICO scores.

[AllZero]

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@babbles wrote:

I tried to research to see if this question has been asked but has anyone noticed NFCU's FICO 8 scores are different than the official FICO scores itself?  They are  lower on the day  NFCU pulls  them from somewhere and posts to your  account page.  I wrote to them and explained I have an official FICO account and their numbers are quite different but they claim those are my FICO scores.

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NFCU gives you EQ FICO 9 scores. I recollect reading they pull the scores from -+ 2 weeks prior to posting it.

[babbles]

Sorry your right FICO 9 EQ, even with posting 2 weeks prior they are still off.

[AllZero]

I made a mistake too. It's EQ.

[AllZero]

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@babbles wrote:

Sorry your right FICO 9 EQ, even with posting 2 weeks prior they are still off.

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Something has changed on your credit report from the time Navy and you did your own pulls. Have you looked into detail on what might have changed, before and after?

[Anonymous]

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@AllZero wrote:

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@babbles wrote:

Sorry your right FICO 9 EQ, even with posting 2 weeks prior they are still off.

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Something has changed on your credit report from the time Navy and you did your own pulls. Have you looked into detail on what might have changed, before and after?

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I've noticed the same thing. I pulled my EQ FICO 9 scores the same day NFCU provided it and there is a 20 point difference. Even if there was a few days between when they gathered and posted it, I took a look over my EQ report pulled at the end of August vs the one I got when I pulled my own EQ FICO 9 and they are line for line identical. 

[AllZero]

^ Where are you getting your EQ 9 reports?

[Anonymous]

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@AllZero wrote:
^ Where are you getting your EQ 9 reports?

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MyFico for the score, Equifax for the reports. 

[omgitsMatt]

They soft pull the 4th Tuesday of every month.

The FICO 9 score you see was pulled on the 27th of last month even though it says 9/6/19

The next score you will see will be from the 24th of this month.

Sometimes they pull sooner leading up to a holiday I've heard.

[omgitsMatt]

If you match up the scores from the 4th Tuesday of the month to when they provide them to you two weeks later they'll sync up