Oddly, both PenFed & NFCU are purporting to give me my EQ FICO 9 score as of 7/9/19, but the scores are 23 points apart -- 764 on PenFed & 787 on NFCU.
Navy soft pulls Equifax for Account Reviews on the fourth Tuesday of every even-numbered month. So for the NFCU score shown on 7/9/19 the pull was actually done on 6/25/19. By comparison, the PenFed score was pulled on 7/9/19 so the scoring difference can be attributed to changes in your Equifax credit report between 6/25 and 7/9.
Some time ago I did some research to determine exactly when Navy does it soft pulls. You can see the results in this thread:
"The pattern I noticed is that Navy does Account Reviews pulls from Equifax on the fourth Tuesday of even-numbered months then updates member accounts with EQ FICO 9 scores during the first week of the following (odd-numbered) month"
@Anonymous wrote:Navy soft pulls Equifax for Account Reviews on the fourth Tuesday of every even-numbered month. So for the NFCU score shown on 7/9/19 the pull was actually done on 6/25/19. By comparison, the PenFed score was pulled on 7/9/19 so the scoring difference can be attributed to changes in your Equifax credit report between 6/25 and 7/9.
Some time ago I did some research to determine exactly when Navy does it soft pulls. You can see the results in this thread:
"The pattern I noticed is that Navy does Account Reviews pulls from Equifax on the fourth Tuesday of even-numbered months then updates member accounts with EQ FICO 9 scores during the first week of the following (odd-numbered) month"
Maybe this throws a monkey wrench into it, but.....
NFCU updated my score today.
@SouthJamaica wrote:
@Anonymous wrote:Navy soft pulls Equifax for Account Reviews on the fourth Tuesday of every even-numbered month. So for the NFCU score shown on 7/9/19 the pull was actually done on 6/25/19. By comparison, the PenFed score was pulled on 7/9/19 so the scoring difference can be attributed to changes in your Equifax credit report between 6/25 and 7/9.
Some time ago I did some research to determine exactly when Navy does it soft pulls. You can see the results in this thread:
"The pattern I noticed is that Navy does Account Reviews pulls from Equifax on the fourth Tuesday of even-numbered months then updates member accounts with EQ FICO 9 scores during the first week of the following (odd-numbered) month"
Maybe this throws a monkey wrench into it, but.....
NFCU updated my score today.
Your score was "updated" today but it definitely wasn't pulled today.
If you want to dig in to when it was pulled you can request a hard copy of your Equifax credit report and look at the details on AR soft pulls. I used to be able to look at my Equifax credit report through the TrustedID Premier credit monitoring service they provided after the data leak, but they stopped access to TrustedID Premier last January.