Question For NFCU Members

[Matt9543]

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@LifeIsAHighway wrote:

@thornback ,

Thank you as well. Maybe they have changed practices & are now not releasing the internal score to members? Also, thanks for reminding me of the "massive" Navy thread. I'll post my question there & see if anyone has recent experience in regards to AA letters & score provided.

Thanks!!!

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I can say for me back in March is when I was denied for a card and it had the internal score listed, so if they've changed practice it's been quite recent.

[M_Smart007]

It must be a recent change?  ..

I know that I had received a letter within the past 12 months .. with my internal score.

[Streetervillelady]

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@LifeIsAHighway wrote:

Hey all,

I have a question regarding NFCU's internal score that I'm hoping someone can shed some light on. I have read in several posts on the forum of people knowing their NFCU internal score. I can't seem to find out what my internal score is. I recv'd my 3rd CC from NFCU in the mail today (actually the cashRewards replacing my now graduated nRewards) & called NFCU to inquire about my internal score. The gentleman I spoke with said that anytime you obtain a credit product from NFCU, the internal score is on the paperwork you receive. I looked over every inch of the paperwork that came with my card today, plus pulled all of the paperwork that came with my 2 prior NFCU cards & all I see is the FICO score. If anyone can enlighten me on where to look or how to obtain my individual internal score from NFCU, I would really appreciate it.

I may not get an opportunity to log back on tonight so, for anyone who may respond, "Thanks in advance."

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Just after the credit card arrives you should receive a letter/mailer titled ‘Your Credit Report and the Price You Pay for Credit’. Page 1 has the usual explanation of your report and how  it was used.  Turn it over to page 2, ‘Your  Credit Score and UnderstandIng Your Credit Score’.  The first box should say ‘Your Navy Federal Credit Score’ on the left with the number, source (Navy Federal Credit Union) and date on the right . It’s easy to dismiss because the title boxes are gray and look generic. 

[Jannelo]

I just joined in April, and right after joining by phone, opening a checking and small savings, I checked the pre-qualify and applied for the cashRewards card.  I received a low $500 SL and accepted the offer. So I was not denied a credit card.  I did receive my internal score via mail.  It was on the back of a paper in the upper right-hand corner, I believe.  I almost missed it.  I will have to look for it.  I couldn't find it the other day when filing all of my NFCU documents.

[LifeIsAHighway]

@Streetervillelady & @Jannelo ,

Thank you both for your input. Since my post, I have pulled my file containing every single sheet of paper that I've recv'd from NFCU since opening my accts in Sept, 2018. I have thoroughly reviewed the front & back of every page in my entire file. There is no sign of an internal credit score. Maybe I'm the anomaly. Oh well, I'm not going to lose sleep over it. NFCU has been very good to me & I look forward to a long & happy relationship with them, no matter what my internal score might be.

Thanks!!!

[thornback]

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@LifeIsAHighway wrote:

@Streetervillelady & @Jannelo ,

Thank you both for your input. Since my post, I have pulled my file containing every single sheet of paper that I've recv'd from NFCU since opening my accts in Sept, 2018. I have thoroughly reviewed the front & back of every page in my entire file. There is no sign of an internal credit score. Maybe I'm the anomaly. Oh well, I'm not going to lose sleep over it. NFCU has been very good to me & I look forward to a long & happy relationship with them, no matter what my internal score might be.

Thanks!!!

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haha... so weird.   But like you said -- you've been doing well with them so at this point, it doesn't really matter -- not like we have a thorough understanding of their internal scoring system anyway... (though I understand the curiousity).

[Streetervillelady]

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@LifeIsAHighway wrote:

@Streetervillelady & @Jannelo ,

Thank you both for your input. Since my post, I have pulled my file containing every single sheet of paper that I've recv'd from NFCU since opening my accts in Sept, 2018. I have thoroughly reviewed the front & back of every page in my entire file. There is no sign of an internal credit score. Maybe I'm the anomaly. Oh well, I'm not going to lose sleep over it. NFCU has been very good to me & I look forward to a long & happy relationship with them, no matter what my internal score might be.

Thanks!!!

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You’re welcome. But keep an eye out. It did arrive separate from the new credit card. 

[Mr_Mojo_Risin]

I received my cash rewards CC back in April. The paperwork I received did show my internal score due to not receiving the best APR. 

Hope this helps you. 

[M_Smart007]

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@thornback wrote:

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@LifeIsAHighway wrote:

@Streetervillelady & @Jannelo ,

Thank you both for your input. Since my post, I have pulled my file containing every single sheet of paper that I've recv'd from NFCU since opening my accts in Sept, 2018. I have thoroughly reviewed the front & back of every page in my entire file. There is no sign of an internal credit score. Maybe I'm the anomaly. Oh well, I'm not going to lose sleep over it. NFCU has been very good to me & I look forward to a long & happy relationship with them, no matter what my internal score might be.

Thanks!!!

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haha... so weird.   But like you said -- you've been doing well with them so at this point, it doesn't really matter -- not like we have a thorough understanding of their internal scoring system anyway... (though I understand the curiousity).

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@thornback  And here we depended on you for everything

[thornback]

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@M_Smart007 wrote:

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@thornback  And here we depended on you for everything

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hahaha... @M_Smart007 

We all fall short sometimes....