@Anonymous wrote:
I agree DTI and length of relationship play a big part, but no one really knows the recipe as stated. I am surprised they didn’t pull a major bureau simultaneously.
They did leave a nice HP on TU; however, the letter that I recieved did not have my TU score on it so I assume it's as @SouthJamaica said.
I believe they use Vantage 3.0 scores for their initial pull which Credit Karma uses, and accoring to that app I had a 710 at the time of the HP. NFCU seems to give as much advantage to their members as they can. I really haven't heard of any other creditors that use the model.
Also thank you @Girlzilla88 for that information. While it seems there really isn't any, it is a step into at least an idea of how the weigh it.
