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NFCU's July 3rd EQ FICO 9 update based on June 30th data

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SouthJamaica
Mega Contributor

NFCU's July 3rd EQ FICO 9 update based on June 30th data

After seeing a completely incomprehensible change in my EQ FICO 9 based on Navy Federal Credit Union's July 3rd update, reading reports of others in this forum finding similar anomalies in NFCU's number, and seeing that the new NFCU number was identical to my actual EQ FICO 9 from a month earlier, I tentatively concluded that NFCU's July 3rd report was using stale data.  So I was looking forward to getting my new 3-bureau report from MyFICO to confirm -- or repudiate -- my theory.

 

Sure enough, my 3-B report confirms that my actual EQ FICO 9 is 32 points higher than what NFCU had reported. (And in case you're wondering, there was no change of any substance in any of the underlying data between the July 3rd NFCU update & the 3-B report).

 

7/27/20 Update:

@MrZeroseems to be indicating that NFCU's "July 3rd" update was based on June 23rd data. I'm not sure how he knows that, but if it's true, that would fit in my case, as the substantial change in my case, which made the "July 3rd" number suspect, came about at the end of June.

 

7/29/20 Update:

@MrZeroand @Anonymous agree that the update was based on June 30th data. They point out that NFCU's monthly soft pull is done on the 4th Tuesday of every preceding month. That explains the anomaly in my profile, since the big positive change in my profile would have been reported on July 1st. And it also explains why some other folks also had anomalous results, while others had perfectly normal readings. What it doesn't explain is why NFCU calls it a July 3rd update instead of a June 30th update.


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 712 TU 710 EX 708

Message 1 of 19
18 REPLIES 18
AllZero
Mega Contributor

Re: You can disregard NFCU's July 3rd EQ FICO 9 update

Thank you for sharing the data points.
Message 2 of 19
Anonymous
Not applicable

Re: You can disregard NFCU's July 3rd EQ FICO 9 update

Thanks for the info as always @SouthJamaica!!

 

Hope you're doing well and getting ready for a nice weekend ahead!! Smiley Wink

Message 3 of 19
Anonymous
Not applicable

Re: You can disregard NFCU's July 3rd EQ FICO 9 update

This would be incorrect, their data is just fine. This may be your profile, among other users. 

 

07_25_20_23_34.png

Message 4 of 19
M_Smart007
Legendary Contributor

Re: You can disregard NFCU's July 3rd EQ FICO 9 update

My NFCU matches My PenFed FICO9  ..  🤷

Message 5 of 19
K-in-Boston
Credit Mentor

Re: You can disregard NFCU's July 3rd EQ FICO 9 update

I pull my 3B report on myFICO on the 3rd every month, so I can confirm that my July EQ FICO 9 score pulled on the same day is identical between NFCU and myFICO (and are different numbers on both sites than they were in June).

 

Are you sure that you're looking at the right FICO 9 model (the vanilla one at the bottom under "Other") in the myFICO interface, and not one of the industry FICO 9 scores that go to 900 instead of 850?

Message 6 of 19
MrZero
Regular Contributor

Re: You can disregard NFCU's July 3rd EQ FICO 9 update

Mine went up 42 points from June 3rd to when they pulled the update on June 23rd for July 3rd. ¯\_(ツ)_/¯

Updated 8/12/22.



Total Inquiries: EX: 1|TU: 1|EQ: 1
Derogs: 0
AAoA: 2Y1M
AoOA: 2Y6M.
AoYA: 1Y1M.
Total CL: 57,600
Utilization: ~1%

Message 7 of 19
SouthJamaica
Mega Contributor

Re: You can disregard NFCU's July 3rd EQ FICO 9 update


@Anonymous wrote:

This would be incorrect, their data is just fine. This may be your profile, among other users. 

 

07_25_20_23_34.png


I'm 100% positive that NFCU was pulling older data for me and that it matched the actual score from a month earlier.

 

A number of other members reported similarly inexplicable results from the July 3rd "update".


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 712 TU 710 EX 708

Message 8 of 19
SouthJamaica
Mega Contributor

Re: You can disregard NFCU's July 3rd EQ FICO 9 update


@K-in-Boston wrote:

I pull my 3B report on myFICO on the 3rd every month, so I can confirm that my July EQ FICO 9 score pulled on the same day is identical between NFCU and myFICO (and are different numbers on both sites than they were in June).

 

Are you sure that you're looking at the right FICO 9 model (the vanilla one at the bottom under "Other") in the myFICO interface, and not one of the industry FICO 9 scores that go to 900 instead of 850?


I'm 100% positive that NFCU was pulling month old older data for me.

 

A number of other members reported similarly inexplicable results from the July 3rd "update".

 

Yes I'm sure it was the EQ FICO 9 Classic to which I am referring.

 

 


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 712 TU 710 EX 708

Message 9 of 19
SouthJamaica
Mega Contributor

Re: You can disregard NFCU's July 3rd EQ FICO 9 update


@MrZero wrote:

Mine went up 42 points from June 3rd to when they pulled the update on June 23rd for July 3rd. ¯\_(ツ)_/¯


So you're saying that the July 3rd "update" was actually relying on data from June 23rd?  If so, that could suggest that it was 10-day-old data, rather than month-old data.

 

If so, just curious how you knew what day they pulled it from?


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 712 TU 710 EX 708

Message 10 of 19
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