NFCU INTERNAL SCORE

[sectionals]

How is your internal score determined at NFCU and how do you find out what it is?

[Anonymalous]

They normally send a letter with your internal score if you're accepted or rejected for credit. It's not available online or by request.

Nobody knows the secret sauce that makes up their internal score, but if you do things that build your relationship with Navy Fed, like having a broader range of credit products or setting up direct deposit, that probably helps.

[OmarGB9]

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@Anonymalous wrote:

They normally send a letter with your internal score if you're accepted or rejected for credit. It's not available online or by request.

Nobody knows the secret sauce that makes up their internal score, but if you do things that build your relationship with Navy Fed, like having a broader range of credit products or setting up direct deposit, that probably helps.

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+100

Although I've never gotten my internal score when being accepted, only rejected.

[Anonymalous]

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@OmarGB9 wrote:

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@Anonymalous wrote:

They normally send a letter with your internal score if you're accepted or rejected for credit. It's not available online or by request.

Nobody knows the secret sauce that makes up their internal score, but if you do things that build your relationship with Navy Fed, like having a broader range of credit products or setting up direct deposit, that probably helps.

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+100

Although I've never gotten my internal score when being accepted, only rejected.

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Interesting. I just dug out the paperwork, and when I was accepted for my More Rewards, I got a letter with my internal score. It's just a single standard page in black and white, in contrast to all the credit card paperwork in off-size booklets, or the mailings/notifications with Navy Fed letterhead in the colors of the More Rewards. I also believe it arrived separately. The letter has "Your Credit Report and the Price You Pay for Credit" at the top, followed by questions or statements (in grayed out boxes) on the left, and answers on the right. The first page is all boilerplate stuff about credit reports in general, but when I flip the page over, the second page is all about Navy Fed's internal credit score. At the top is the score, the source of the score (NAVY FEDERAL), and the date. It also gives the range (100 to 450), a short description (nothing concrete), and key adverse factors (mine mentions mortgages, length of Navy Fed membership, secured loans -- and inquiries, which is entertaining because Navy was my first hard pull ever on TU).

Though I didn't get a letter -- or any notification at all, for that matter -- when I requested and received a CLI 3 months later.

[keekers556]

I was approved for the Cash Rewards card earlier this month and didn’t see my internal score listed anywhere on the documentation they sent me (front or back).

[SUPERSQUID]

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@OmarGB9 wrote:

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@Anonymalous wrote:

They normally send a letter with your internal score if you're accepted or rejected for credit. It's not available online or by request.

Nobody knows the secret sauce that makes up their internal score, but if you do things that build your relationship with Navy Fed, like having a broader range of credit products or setting up direct deposit, that probably helps.

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+100

Although I've never gotten my internal score when being accepted, only rejected.

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I never got a denial from nfcu but both my approvals list my score, 297

[UncleB]

I've only ever received the internal score if the terms for my request weren't the best.  In other words, if they were unable to give me the lowest APR or the full CLI I requested, I got the score.

The last time I applied for credit with Navy was for my Go Rewards Visa, and it was approved at the lowest APR so no score.  All CLIs after that have been auto-CLIs so also no score (or notification of any type, for that matter).

That's been a few years, though, so things may have changed.

[Anonymalous]

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@UncleB wrote:

I've only ever received the internal score if the terms for my request weren't the best.  In other words, if they were unable to give me the lowest APR or the full CLI I requested, I got the score.

The last time I applied for credit with Navy was for my Go Rewards Visa, and it was approved at the lowest APR so no score.  All CLIs after that have been auto-CLIs so also no score (or notification of any type, for that matter).

That's been a few years, though, so things may have changed.

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Makes sense. And it fits my experience, which more recent than yours. I applied for the More Rewards in November, didn't get the lowest APR, and they sent me a letter with my internal score. Three months later I applied for a CLI, got the max, and there was no letter or even an email notification.