NFCU & Fico 09

[Wavester64]

So just today I got my FICO 09 score from NFCU and it comes up as 754. 

2 Questions:

It mentioned the range was 300-850, I thought the range for EQ F09 was up to 900?

Also, my report mentioned my BK13 still being on there, when I ordered my EQ F08 report just a few days ago and it had the BK13 off.

Any reason for this? I am guessing on the 2nd question that even though NFCU's score shows today's date, it was probably generated earlier than today.

[Anonymous]

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@Wavester64 wrote:

So just today I got my FICO 09 score from NFCU and it comes up as 754. 

2 Questions:

It mentioned the range was 300-850, I thought the range for EQ F09 was up to 900?

Also, my report mentioned my BK13 still being on there, when I ordered my EQ F08 report just a few days ago and it had the BK13 off.

Any reason for this? I am guessing on the 2nd question that even though NFCU's score shows today's date, it was probably generated earlier than today.

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Navy Federal soft pulls Equifax for Account Reviews on the fourth Tuesday of the preceding month.  So for the May 7 Equifax FICO 9 score, the pull would have been made on April 28, 2020.  Your Chapter 13 was probably still on your credit report on that date.

FICO 9 is intended to be the successor scoring model to FICO 8, they both have the same scoring range of 300-850.

[Wavester64]

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@Anonymous wrote:

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@Wavester64 wrote:

So just today I got my FICO 09 score from NFCU and it comes up as 754. 

2 Questions:

It mentioned the range was 300-850, I thought the range for EQ F09 was up to 900?

Also, my report mentioned my BK13 still being on there, when I ordered my EQ F08 report just a few days ago and it had the BK13 off.

Any reason for this? I am guessing on the 2nd question that even though NFCU's score shows today's date, it was probably generated earlier than today.

---

Navy Federal soft pulls Equifax for Account Reviews on the fourth Tuesday of the preceding month.  So for the May 7 Equifax FICO 9 score, the pull would have been made on April 28, 2020.  Your Chapter 13 was probably still on your credit report on that date.

FICO 9 is intended to be the successor scoring model to FICO 8, they both have the same scoring range of 300-850.

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Excellent, thank for the information @Anonymous ! 

[Anonymous]

@Anonymous do you happen to know where my score has to be with NFCU to see nice approval I've been a member for 2 years have cash rewards 3k limit never late. I started with the secured card then they unsecured it and gave me a 1k limit. I never requested a CLI they've just increase 1k every July automatically. Im thinking about going for more rewards next week just waiting on an update to my report. Insight PLEASE

[Anonymous]

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@Anonymous wrote:

@Anonymous do you happen to know where my score has to be with NFCU to see nice approval I've been a member for 2 years have cash rewards 3k limit never late. I started with the secured card then they unsecured it and gave me a 1k limit. I never requested a CLI they've just increase 1k every July automatically. Im thinking about going for more rewards next week just waiting on an update to my report. Insight PLEASE

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@Anonymous NFCU looks at more than just your FICO score; they are more interested in your debt-to-income ratio.  So its hard to say where you need to be to get a good approval.

Since you've been a member for more than 2 years I would first request a CLI on the Cash Rewards card.  Ask for a $25,000 limit.  Typically they would approve a 3X increase to $9,000 but since you've been a member for a while and never requested a CLI they might surprise you.  Once you have the CLI then I would apply for the More Rewards card.

[Anonymous]

Thank you!

[Anonymous]

@Anonymous. One more thing is the cli a hp from EQ or TU?

[Gmood1]

@Anonymous 

Normally it is TU. CLIs were a SP. But expect a HP regardless.

[Jannelo]

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@Gmood1 wrote:

@Anonymous 

Normally it is TU. CLIs were a SP. But expect a HP regardless.

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I guess I just assumed a request for a CLI would be the Equifax 9 since that's the score they are showing me in my account. But you're saying it's TU.  What do they use the Equifax 9 for? 

[thornback]

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@Jannelo wrote:

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@Gmood1 wrote:

@Anonymous 

Normally it is TU. CLIs were a SP. But expect a HP regardless.

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I guess I just assumed a request for a CLI would be the Equifax 9 since that's the score they are showing me in my account. But you're saying it's TU.  What do they use the Equifax 9 for? 

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My experience (as well as many other forum members) has been TU9 for new account apps, EQ9 for CLIs.   But really, they could use either for either purpose.