Navy Federal Internal Score?

[Anonymous]

Haven’t found a thread devoted to seeing what everyone’s internal score is at NFCU. I joined a not too long ago, scores at that time was 304 and fico 8’s were 642, 690 and 662 (EQ TU EX). Applied and approved for the cashRewards $1k when opening checking / savings. Have had lots of new accounts in the past 12 months so not surprised about the low limit rather glad for the opportunity to get my foot in.

And, how do you improve your internal score - time and consistent use of the card (not too high util and payoff before statement cuts or carry tiny balance and show good payment history?).

[Anonymous]

NFCU doesn’t disclose how they come about their internal scores unfortunately. There have been a few threads trying to figure them out but no consistent patterns seem to have emerged. There were people with excellent FICO scores that had low internal scores (and ended up with high APR as a result). 

I got the lowest APR on my two cards and they didn’t send it on my cost of credit letter for my CLOC so I can’t add mine, sorry. 

[credithappy]

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@Anonymous wrote:
Haven’t found a thread devoted to seeing what everyone’s internal score is at NFCU. I joined a not too long ago, scores at that time was 304 and fico 8’s were 642, 690 and 662 (EQ TU EX). Applied and approved for the cashRewards $1k when opening checking / savings. Have had lots of new accounts in the past 12 months so not surprised about the low limit rather glad for the opportunity to get my foot in.

And, how do you improve your internal score - time and consistent use of the card (not too high util and payoff before statement cuts or carry tiny balance and show good payment history?).

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Congratulations!!!!!  Yes, you are going in the right direction to improve your score just keep on paying your cc 's on time and paid them in full and you will see improvements.   Good luck. 

[AverageJoesCredit]

No clue on mine though after 1 year good history, Navy lowered my CR to its lowest possible limit. My newest plat i was able to start at 10.99 whereas the first plat i was at 16%.

[Anonymous]

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@AverageJoesCredit wrote:
No clue on mine though after 1 year good history, Navy lowered my CR to its lowest possible limit. My newest plat i was able to start at 10.99 whereas the first plat i was at 16%.

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You should have gotten the cost of credit letter? They’re sent out whenever you didn’t receive the lowest APR. 

You can call them and tell them you didn’t get it and they will resend it. 

[Gunnerboy]

397, as of 10/5/2018 when I first joined.  Had to dig up the letter from my Go Rewards app.

[Anonymous]

I will be pissed if they give me 16% on a Plat!! 😈

[CramEiko]

I'd be curious about knowing my internal NFCU score. I have the Plat @ 7.99% for 15mo now.

[DemonHusker]

Mine was a 304 when I signed up for account and got the Amex card same day in August. SL was only $1000 @ 16.99. I applied for the Flagship in December and was approved for $15,000 @17.49 and the internal score was 297. TU Fico 9 was 701 the first time and 693 for the second card if that helps.

[RickNATL]

Found the read interesting...where do you find the NFCU internal score?  Is it only through an app process or calling in, or can I find it in my online account?  Thanks in advance for any insights...