@bettercreditguy1 wrote:I was just offered a cli from PEN FED while conversing with an agent on another matter. They suggested I log on and check my Next Gen Fico Score, WOW it was 849! I am blasted away! PenFed and the new scoring system(s) are great!
what kind of score is that ?
@bettercreditguy1 wrote:I belive it is the name for Equifax Fico 08 scores. PenFed now provides the score as a customer perk if you have an active installment, credit, or mortage loan.
Ahh so its same eq08 you get here :-( i am sitting at 807 right now maybe i will get in to your stratosphere soon :-)
@bettercreditguy1 wrote:Remember. Pay early and in full. Patience, and time will take care of the rest!. My next two goals are; 1. The timing out of the last late on my closed cc in 4/2017 and over 800 on all three reports. In 4/17 that train station will fully arrive. At that time, my scores should blast off with the content in my file. My first projected 800 should occur shortly before Christmas this year around an 807. Good luck on your journey.
I ink one thing holding my score back is lack of auto loan or mortgage. Maybe some hard pulls are also holding me back. Right now I think I am near as high I can get I think. I can hover around eight hundred I am fine with that
Slow your roll FICOers! 
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FICO NextGen is actually the 2001 and 2003 releases of the algorithm: FICO Nextgen v1 and v2 respectively, otherwise known as Equifax Pinnacle 1.0 and 2.0 in Penfed's case (and I think maybe Alliant's too).
The NextGen score predates the FICO '04 algorithm, and it is scored out of 950 rather than 850. It is not the same as the EQ Beacon 9.0 score (FICO 8) available here.
