Anyone know about Navy Federal’s scoring model?

[Anonymous]

Hi all! I've been waiting to request a CLI on my navy federal card until my last two collections are deleted (should be this month). I've been watching my score that they provide and it is significantly lower than my FICO scores. My score with Equifax is slightly above 650 but with NFCU my score is only 573. I don't understand how it's almost a hundred point difference! 

Anyways, do they use this scoring model when making credit decisions? Are there any specific things that you're aware of that are weighted differently through their scoring model? Should I wait to request the CLI until my score with them is higher?

[Azuieldrago]

They have an internal scoring model that they use and don't use the same score spread sheet like FICO does. Over 500 isnt bad. I was under 500 when I used them and got cards.

[Girlzilla88]

If they are to be deleted this month I would wait for the score to be updated with them next month so it reflects them being gone this should put a boost to your score and of course better your chances on CLI (and hopefully a bigger one at that)