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NFCU free Fico score update question

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RobynJ
Established Contributor

NFCU free Fico score update question

I have an NFCU NRewards card and with it I receive a free Fico score card. My question is how often does it update? At first I thought maybe weekly and that isn't correct. Then I thought monthly but that hasn't shown to be right either. My score card has a date of 4/03/22 and is still the same. Anyone know when I can expect it to update?

On a side note, I wasn't sure exactly where to post this question so I apologize in advance if it is in the wrong forum. 

> > > > > > > > >

Starting Score:
0

Current Score:
My highest 818

Goal Score:
850


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Message 1 of 20
19 REPLIES 19
FireMedic1
Community Leader
Mega Contributor

Re: NFCU free Fico score update question

Never had the nSecured. But I believe its the same FICO score as the More Rewards. Mine updated today 5/5. Have a hunch it updates when you click after 1 month. Havent check their FICO score in a while since I have MyFICO:

"Your FICO® Score 9 is based on Equifax data, and Navy Federal receives updated credit score data from Equifax once a month. When you view your FICO® Score Online or through the Mobile app, you see the most recent FICO® Score that Navy Federal has received from Equifax."


TWO MORE MONTHS NO BK! (on Eq/Ex)
Message 2 of 20
SouthJamaica
Mega Contributor

Re: NFCU free Fico score update question


@RobynJ wrote:

I have an NFCU NRewards card and with it I receive a free Fico score card. My question is how often does it update? At first I thought maybe weekly and that isn't correct. Then I thought monthly but that hasn't shown to be right either. My score card has a date of 4/03/22 and is still the same. Anyone know when I can expect it to update?

On a side note, I wasn't sure exactly where to post this question so I apologize in advance if it is in the wrong forum. 


The last time I looked into it, it updated monthly, but the actual score wasn't from the specified date, but from the 4th Tuesday of the preceding month.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 3 of 20
RobynJ
Established Contributor

Re: NFCU free Fico score update question

Update:

 

It finally updated today for me. Last update date was 4/3 and this one says 5/5 thanks all. I guess I just needed to practice patience. 

> > > > > > > > >

Starting Score:
0

Current Score:
My highest 818

Goal Score:
850


Take the myFICO Fitness Challenge



/
Message 4 of 20
OmarGB9
Community Leader
Super Contributor

Re: NFCU free Fico score update question


@RobynJ wrote:

Update:

 

It finally updated today for me. Last update date was 4/3 and this one says 5/5 thanks all. I guess I just needed to practice patience. 


Indeed, you'll find that pretty much anything credit-related requires patience. Smiley Happy


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 5 of 20
RobynJ
Established Contributor

Re: NFCU free Fico score update question

Yeah but I want what I want and I want it now lmao jk I agree but darn it stinks sometimes 😉


@OmarGB9 wrote:

@RobynJ wrote:

Update:

 

It finally updated today for me. Last update date was 4/3 and this one says 5/5 thanks all. I guess I just needed to practice patience. 


Indeed, you'll find that pretty much anything credit-related requires patience. Smiley Happy


 

> > > > > > > > >

Starting Score:
0

Current Score:
My highest 818

Goal Score:
850


Take the myFICO Fitness Challenge



/
Message 6 of 20
SouthJamaica
Mega Contributor

Re: NFCU free Fico score update question


@RobynJ wrote:

I have an NFCU NRewards card and with it I receive a free Fico score card. My question is how often does it update? At first I thought maybe weekly and that isn't correct. Then I thought monthly but that hasn't shown to be right either. My score card has a date of 4/03/22 and is still the same. Anyone know when I can expect it to update?

On a side note, I wasn't sure exactly where to post this question so I apologize in advance if it is in the wrong forum. 


It updates once a month, early in the month, and uses the score taken from the 4th Tuesday of the preceding month.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 7 of 20
Badtoex64
New Visitor

Re: NFCU free Fico score update question

Hello

New poster so this isn't in the correct section I'm guessing.

I updated the new NFCU update today and don't care for it but I noticed they only provide vantage score now, no more FICO

unless I'm missing somethibg. I sent a message but haven't received a reply. Anyone else notice this?


@SouthJamaica wrote:

@RobynJ wrote:

I have an NFCU NRewards card and with it I receive a free Fico score card. My question is how often does it update? At first I thought maybe weekly and that isn't correct. Then I thought monthly but that hasn't shown to be right either. My score card has a date of 4/03/22 and is still the same. Anyone know when I can expect it to update?

On a side note, I wasn't sure exactly where to post this question so I apologize in advance if it is in the wrong forum. 


It updates once a month, early in the month, and uses the score taken from the 4th Tuesday of the preceding month.


 

Message 8 of 20
FicoMike0
Valued Contributor

Re: NFCU free Fico score update question

I'll add my input. I'm a recent navy member. Checking, savings, no credit card. I only see a tu vs3. Is the fico available to credit card holders?

Message 9 of 20
MileHigh96
Established Contributor

Re: NFCU free Fico score update question

Just checked because I didn't pay attention, but it seems that they did discontinue giving a FICO score and have switched to only giving the VS3 score.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Closed accounts:

0/6, 2/12, 6/24 new accounts
TCL: $152.2K
Message 10 of 20
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