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

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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


@MrZero  indicates that the "July 3rd" update was actually based on a June 23rd pull. If that's correct, it would make perfect sense, because a substantial change occurred in my profile between June 23rd and July 3rd.

 

 


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

Message 11 of 19
SouthJamaica
Mega Contributor

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


@M_Smart007 wrote:

My NFCU matches My PenFed FICO9  ..  🤷


@MrZero indicates that the "July 3rd" update was actually based on a June 23rd pull. If that's correct, it would make perfect sense in my profile, because a substantial change occurred in my profile between June 23rd and July 3rd. And it would make perfect sense in your profile as well if no substantial changes occurred between June 23rd and July 3rd.


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

Message 12 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?


@MrZero indicates that the "July 3rd" update was actually based on a June 23rd pull. If that's correct, it would make perfect sense in my profile, because a substantial change occurred in my profile between June 23rd and July 3rd. And it would make perfect sense in your profile as well if no substantial changes occurred between June 23rd and July 3rd.


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

Message 13 of 19
Anonymous
Not applicable

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

NFCU pulls scores on the fourth Tuesday of the month IIRC. None of these creditors actually seem to update the score the day they post them. 

ETA: Looks like this was the last Tuesday of June actually. 

61693A38-19F6-4CF9-A8E9-DD9DDA766ED4.jpeg

 

Message 14 of 19
MrZero
Regular Contributor

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


@SouthJamaica wrote:

@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?


Yeah, Navy usually pulls from the fourth Tuesday of the month before you see their updated EQ9 score, I checked my last EQ credit report from July 18th and as @Saren said, they ended up pulling on June 30th/the fifth Tuesday of last month.

Updated 8/12/22.



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Message 15 of 19
SouthJamaica
Mega Contributor

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


@MrZero wrote:

@SouthJamaica wrote:

@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?


Yeah, Navy usually pulls from the fourth Tuesday of the month before you see their updated EQ9 score, I checked my last EQ credit report from July 18th and as @Saren said, they ended up pulling on June 30th/the fifth Tuesday of last month.


Wow thank you @MrZero and @Anonymous 

 

Now we've really pinned it down, thanks to you Smiley Happy

 

So there was only a 3-day lapse. That's not too bad. And it explains my discrepancy because the significant data changes would have been reflected right after June 30th.

 

It would be nice if NFCU just indicated it was a June 30th update instead of a July 3rd update, but at least those of us who've followed this thread, or who knew what you already knew, will know that the report is based on data from the fourth Tuesday of the previous month.


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

Message 16 of 19
Anonymous
Not applicable

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


@SouthJamaica wrote:

@MrZero wrote:

@SouthJamaica wrote:

@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?


Yeah, Navy usually pulls from the fourth Tuesday of the month before you see their updated EQ9 score, I checked my last EQ credit report from July 18th and as @Saren said, they ended up pulling on June 30th/the fifth Tuesday of last month.


Wow thank you @MrZero and @Anonymous 

 

Now we've really pinned it down, thanks to you Smiley Happy

 

So there was only a 3-day lapse. That's not too bad. And it explains my discrepancy because the significant data changes would have been reflected right after June 30th.

 

It would be nice if NFCU just indicated it was a June 30th update instead of a July 3rd update, but at least those of us who've followed this thread, or who knew what you already knew, will know that the report is based on data from the fourth Tuesday of the previous month.


@SouthJamaica NFCU isn't alone in doing this. Langley does it too as do Disco and Citi. All of them pull the score days before they show it to us. If they put the actual date they pulled, people would want to know why the delay so I imagine this way is just easier since only people like us here on MF actually check our SP dates 😂 

 

I discovered that Langley was off earlier this month when my score had not reflected that my BK was gone. They had also pulled on 6/30. 

6FB69F1F-E3B6-4FDF-A7BE-0BAE3FD2ACCF.jpeg

 

By the way, if you haven't signed up for the free monthly Equifax reports from them directly, it's certainly worth it. You get to see who SPs you and when. 

Message 17 of 19
SouthJamaica
Mega Contributor

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


@Anonymous wrote:

@SouthJamaica wrote:

@MrZero wrote:

@SouthJamaica wrote:

@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?


Yeah, Navy usually pulls from the fourth Tuesday of the month before you see their updated EQ9 score, I checked my last EQ credit report from July 18th and as @Saren said, they ended up pulling on June 30th/the fifth Tuesday of last month.


Wow thank you @MrZero and @Anonymous 

 

Now we've really pinned it down, thanks to you Smiley Happy

 

So there was only a 3-day lapse. That's not too bad. And it explains my discrepancy because the significant data changes would have been reflected right after June 30th.

 

It would be nice if NFCU just indicated it was a June 30th update instead of a July 3rd update, but at least those of us who've followed this thread, or who knew what you already knew, will know that the report is based on data from the fourth Tuesday of the previous month.


@SouthJamaica NFCU isn't alone in doing this. Langley does it too as do Disco and Citi. All of them pull the score days before they show it to us. If they put the actual date they pulled, people would want to know why the delay so I imagine this way is just easier since only people like us here on MF actually check our SP dates 😂 

 

I discovered that Langley was off earlier this month when my score had not reflected that my BK was gone. They had also pulled on 6/30. 

6FB69F1F-E3B6-4FDF-A7BE-0BAE3FD2ACCF.jpeg

 

By the way, if you haven't signed up for the free monthly Equifax reports from them directly, it's certainly worth it. You get to see who SPs you and when. 


I have accounts with all 3 of those lenders, and the way they indicate the date is to indicate the data was pulled on that date.

 

Langley says "Your FICO Score 8 based on Equifax Data is the same score that Langley FCU pulled on 7/06/20"

 

Citi says "Your FICO score as of 6/23/20"

 

Discover says "here's your FICO credit scorecard as of 7/19/20"

 


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

Message 18 of 19
Anonymous
Not applicable

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


@SouthJamaica wrote:

@Anonymous wrote:

@SouthJamaica wrote:

@MrZero wrote:

@SouthJamaica wrote:

@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?


Yeah, Navy usually pulls from the fourth Tuesday of the month before you see their updated EQ9 score, I checked my last EQ credit report from July 18th and as @Saren said, they ended up pulling on June 30th/the fifth Tuesday of last month.


Wow thank you @MrZero and @Anonymous 

 

Now we've really pinned it down, thanks to you Smiley Happy

 

So there was only a 3-day lapse. That's not too bad. And it explains my discrepancy because the significant data changes would have been reflected right after June 30th.

 

It would be nice if NFCU just indicated it was a June 30th update instead of a July 3rd update, but at least those of us who've followed this thread, or who knew what you already knew, will know that the report is based on data from the fourth Tuesday of the previous month.


@SouthJamaica NFCU isn't alone in doing this. Langley does it too as do Disco and Citi. All of them pull the score days before they show it to us. If they put the actual date they pulled, people would want to know why the delay so I imagine this way is just easier since only people like us here on MF actually check our SP dates 😂 

 

I discovered that Langley was off earlier this month when my score had not reflected that my BK was gone. They had also pulled on 6/30. 

6FB69F1F-E3B6-4FDF-A7BE-0BAE3FD2ACCF.jpeg

 

By the way, if you haven't signed up for the free monthly Equifax reports from them directly, it's certainly worth it. You get to see who SPs you and when. 


I have accounts with all 3 of those lenders, and the way they indicate the date is to indicate the data was pulled on that date.

 

Langley says "Your FICO Score 8 based on Equifax Data is the same score that Langley FCU pulled on 7/06/20"

 

Citi says "Your FICO score as of 6/23/20"

 

Discover says "here's your FICO credit scorecard as of 7/19/20"

 


Yeah I don't know why they lie about the day they pulled the score, just that they all do. 

Message 19 of 19
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