My fiance's NFCU FICO is showing 716, and gives the high proportion of balances (overall utilization is 9% but one of his individual cards is at 46% so I get that) and serious delinquency. Thing is, there are no negative marks whatsoever on his credit. We signed up for CCT to check scores and pull all credit reports to make sure nothing was out of sorts. 3 scores from CCT are 843, 821 and 832.
What gives?
What gives?
Any ideas? Realized after the fact that NFCU is a FICO 9 while the 3 scores we pulled are a FICO 8, but still didn't expect such a big difference.
@Debit
Looks like NFCU is EQ, and we did pull all 3 reports just to make sure. Not a single late, negative account, public record, nada. He was a bit concerned with the NFCU score since we're looking to build a home soon and want both of our scores to be as high as possible, so that's why we purchased all scores too. I'm dumbfounded.
Looks like NFCU is EQ, and we did pull all 3 reports just to make sure. Not a single late, negative account, public record, nada. He was a bit concerned with the NFCU score since we're looking to build a home soon and want both of our scores to be as high as possible, so that's why we purchased all scores too. I'm dumbfounded.
Interesting. He definitely panicked a bit when he saw it. Of course we're thinking there's a fraudulent account or something. But yea, once we pulled the 3 FICOs and saw his scores and checked out his reports, we were relieved. Just seems strange.