NFCU Equifax score Different from MyFico

MsSWS · ‎10-30-2019

Good morning.
I noticed on my letter from NFCU when they pulled my Equifax score for CLOC...they have my Equifax score at 661 but "My Fico" has my Equifax score at 632. I'm not sure how this is possible. Because only thing changed this month on "My Fico" was that I received a 4 point increase for Equifax taking me from 628 to 632. I'm referring to MyFico 8 scores.. Could it be NFCU is using another scoring tool? I'm so confused... I've always thought the banks score pull was to be accurate.

EQ:632 (10/28/19)
TU:670 (10/28/19)
EX:659 (10/28/19)
Georgia's Own Classic Visa Secured (2016 ) $200sl, Graduated unsecured (2017) $500cl,(2019 cli $1,500
TJX Retail (7/19)$800sl TJX Upgraded Mastercard(03/20)4,000cli
Quicksilver One(7/19)$500sl (01/20)cli of$250$750cl
BOA Cash Rewards (part secured 99/500)(9/19)
NFCU Cash Rewards
(10/19)$13,100sl.+6,000cli(02/20)$19,100
NFCU More Rewards American Express(2/2020) $20,000sl
Discover It(02/20) $5,000sl

thornback · ‎10-30-2019

NFCU pulls FICO 9. MyFico provides FICO 9 scores in the "other loans" section. Your EQ FICO 9 should either match NFCU or be within a couple of points (if the pull date is different).

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Aspireto850 · ‎10-30-2019

Hi,

I thought NFCU used Eq Fico 8 for CLOC not Fico 9.

MsSWS · ‎10-30-2019

@thornback

Thank you.. You're are correct... My Fico says my Fico Bankcard 4,5 &2 is 663...and MyFico has my Fico 9 at a whopping 699...so definitely they (NFCU) are not going by the basic 8...lol.thanks again. I'm new to it all.

EQ:632 (10/28/19)
TU:670 (10/28/19)
EX:659 (10/28/19)
Georgia's Own Classic Visa Secured (2016 ) $200sl, Graduated unsecured (2017) $500cl,(2019 cli $1,500
TJX Retail (7/19)$800sl TJX Upgraded Mastercard(03/20)4,000cli
Quicksilver One(7/19)$500sl (01/20)cli of$250$750cl
BOA Cash Rewards (part secured 99/500)(9/19)
NFCU Cash Rewards
(10/19)$13,100sl.+6,000cli(02/20)$19,100
NFCU More Rewards American Express(2/2020) $20,000sl
Discover It(02/20) $5,000sl

MsSWS · ‎10-30-2019

Hello @aspireto850
I thought so too.. But apparently not.. Because My  EQ Fico score for 9 is higher than the 8 . Idk. Idk

EQ:632 (10/28/19)
TU:670 (10/28/19)
EX:659 (10/28/19)
Georgia's Own Classic Visa Secured (2016 ) $200sl, Graduated unsecured (2017) $500cl,(2019 cli $1,500
TJX Retail (7/19)$800sl TJX Upgraded Mastercard(03/20)4,000cli
Quicksilver One(7/19)$500sl (01/20)cli of$250$750cl
BOA Cash Rewards (part secured 99/500)(9/19)
NFCU Cash Rewards
(10/19)$13,100sl.+6,000cli(02/20)$19,100
NFCU More Rewards American Express(2/2020) $20,000sl
Discover It(02/20) $5,000sl