cancel
Showing results for 
Search instead for 
Did you mean: 

PenFed EQ FICO 9 vs NFCU EQ FICO 9

Estimate your FICO® Score range for free

FICO® Score Estimator

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Super Contributor

PenFed EQ FICO 9 vs NFCU EQ FICO 9

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.

 

nfcu version.jpgpenfed version.jpg

 

 


7/31 FICO 8: EQ 751 TU 781 EX 748 Total revolving limits 713500 (592500 reporting)
Message 1 of 8
7 REPLIES 7
Valued Contributor

Re: PenFed EQ FICO 9 vs NFCU EQ FICO 9

Interesting.  I'm curious what others have to say on the difference!

Message 2 of 8
Regular Contributor

Re: PenFed EQ FICO 9 vs NFCU EQ FICO 9

And they both even updated on 7/9/19.

 

 

Message 3 of 8
Senior Contributor

Re: PenFed EQ FICO 9 vs NFCU EQ FICO 9

I don’t know about PenFed but the date NFCU shows your score is the date they post it — they actually pull it around the 20th of the prior month. 

70DD1A3B-9DE6-4CBB-A6D9-BA705BE22054.jpeg
Scores 1/2019:
Scores 8/2019:

Hover over my cards to see my limits!
Goal cards:
Message 4 of 8
Valued Contributor

Re: PenFed EQ FICO 9 vs NFCU EQ FICO 9

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"

 

Screen Shot 2018-08-29 at 8.25.12 AM.png





Message 5 of 8
Super Contributor

Re: PenFed EQ FICO 9 vs NFCU EQ FICO 9


@MaizeandBlue 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"

 

Screen Shot 2018-08-29 at 8.25.12 AM.png


Maybe this throws a monkey wrench into it, but.....

 

NFCU updated my score today.

 

 

nfcu version 090810.jpg

 


7/31 FICO 8: EQ 751 TU 781 EX 748 Total revolving limits 713500 (592500 reporting)
Message 6 of 8
Valued Contributor

Re: PenFed EQ FICO 9 vs NFCU EQ FICO 9


@SouthJamaica wrote:

@MaizeandBlue 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"

 

Screen Shot 2018-08-29 at 8.25.12 AM.png


Maybe this throws a monkey wrench into it, but.....

 

NFCU updated my score today.

 

 

nfcu version 090810.jpg

 


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.





Message 7 of 8
Valued Contributor

Re: PenFed EQ FICO 9 vs NFCU EQ FICO 9

Interesting info @MaizeandBlue! Thank you!
New:
Under Recon:Should I?




Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+0,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 4 HP dings to add; will update again.
Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.