NFCU Internal Score

[md_rebuild]

I've seen lots of posters (who have NFCU CC) reveal their internal NFCU score.    

Is there a way to get that score online?   Or do you have to call to get it?

Also, what's the range for the score (i.e., has someone broken out the different levels of the score and how they correspond to how NFCU views that particular customer)?

As someone who has been banking at NFCU for almost 5 years, and has 3 CC with them, this is a topic I would like to get a little bit more info on, so I know where I stand with them.

Thanks in advance.

[GZG]

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@md_rebuild wrote:

I've seen lots of posters (who have NFCU CC) reveal their internal NFCU score.    

Is there a way to get that score online?   Or do you have to call to get it?

Also, what's the range for the score (i.e., has someone broken out the different levels of the score and how they correspond to how NFCU views that particular customer)?

As someone who has been banking at NFCU for almost 5 years, and has 3 CC with them, this is a topic I would like to get a little bit more info on, so I know where I stand with them.

Thanks in advance.

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pretty sure it's 100-450 and you can only get your score when declined or approved (with a HP) with anything but the best interest rate

it's a combination of your TU Fico 9 + internal scoring with products/balances/payment history/length of membership/voodoo (unknown factors)

are the cards in your sig current? 

anything over 300 is amazing and pretty much qualified for everything your credit profile/income permits you to be qualifed for

I would guess anything around 250 is average, good enough

and anything below 250 would be not very good internal scoring system wise, anyway

[Anonymalous]

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@GZG wrote:

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anything over 300 is amazing and pretty much qualified for everything your credit profile/income permits you to be qualifed for

I would guess anything around 250 is average, good enough

and anything below 250 would be not very good internal scoring system wise, anyway

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Are you sure? I was under the impression 280 was kind of on the borderline, with scores in the 270s or lower struggling.

[GZG]

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@Anonymalous wrote:

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@GZG wrote:

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anything over 300 is amazing and pretty much qualified for everything your credit profile/income permits you to be qualifed for

I would guess anything around 250 is average, good enough

and anything below 250 would be not very good internal scoring system wise, anyway

---

Are you sure? I was under the impression 280 was kind of on the borderline, with scores in the 270s or lower struggling.

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perhaps, I think my $1800 cashRewards approval I was ~286 or something (with a ~720 TU fico 9) with like three new account/inquiry reason codes 

what are the internal scores of people with really good credit with long histories and no other products than the $5 saving account, I feel like that's a good barometer, I assumed those people were low, maybe mid 300's. 

[Anonymalous]

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@GZG wrote:

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@Anonymalous wrote:

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@GZG wrote:

---

anything over 300 is amazing and pretty much qualified for everything your credit profile/income permits you to be qualifed for

I would guess anything around 250 is average, good enough

and anything below 250 would be not very good internal scoring system wise, anyway

---

Are you sure? I was under the impression 280 was kind of on the borderline, with scores in the 270s or lower struggling.

---

perhaps, I think my $1800 cashRewards approval I was ~286 or something (with a ~720 TU fico 9) with like three new account/inquiry reason codes 

what are the internal scores of people with really good credit with long histories and no other products than the $5 saving account, I feel like that's a good barometer, I assumed those people were low, maybe mid 300's. 

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I had a 303 when my More Rewards got approved for $8K+, and then at 3 and 9 months I got the max when I requested increases (+$8K x 2).

Though my personal credit file was almost entirely empty at the time. I had 1 card with 6 months of credit history but an otherwise blank credit report. I'd been with NFCU less than a month, and I only had a basic savings and checking account with them and nothing else.

The trick of course is that I'd just been made an AU on a 20+ year old card, which made me scoreable, with a TU FICO 8 in the 770s (don't know my FICO 9 at the time, but my FICO 9s have been higher than my 8s ever since).

So they obviously counted the AU, and treated me as a relatively aged file.

[md_rebuild]

Thanks for the info.   The cards in my signature are current.  I recently went for a CLI on my Cash Rewards card and got denied (said I had reached the limit) but I know that's not correct, but chalked it up to my (temporary) high utilization and the fact that I had gotten 2 other NFCU cards with $25K CL within the past 9 months.

I'm not upset or anything about not getting the CLI...I know I'll get it once my util drops and I garden some more, but just wanted to learn more about the internal score.