Weird NFCU credit score

[Anonymous]

Hey Fico friends! I haven’t visited in a while but I’ve stopped by to see if you guys know anything about this one. I was recently approved for an NFCU Flagship visa and just received the “cost of credit” letter in the mail. It says my score is 332 on a scale between 100-450. What kind of credit score is this?? I’m assuming it’s not a fico model but I haven’t applied for a new card in a while. Is this just their own thing??

[K-in-Boston]

Thanks for stopping in again!  That's the internal NFCU score.  They've also switched to FICO 09 for some lending decisions it seems.

[IncrsCreditScore]

My FICO scores provided from NFCU are FICO 09 as K-in-Boston stated.

[Anonymous]

The one I get monthly with my credit card is FICO 9. That one says 718. But this score came in the mail with the letter. I’ve just never seen that kind of score range.

[UpperNwGuy]

Many banks and credit unions now give their customers a free credit score.  However, that free credit score is often not the credit score that the bank or credit union uses to evaluate credit applications.

[ocdcreditmonkey]

It is my understanding that this is an internal NFCU scoring model.