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PenFed EQ FICO 9 vs NFCU EQ FICO 9

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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

 

 


Total revolving limits 648500 (572500 reporting) FICO 8 EQ 725 TU 752 EX 732

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Valued Contributor

Re: PenFed EQ FICO 9 vs NFCU EQ FICO 9

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




UNpopular opinions have served me well and will offer that which has worked for me.
Message 2 of 8
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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
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Super 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. 

Message 4 of 8
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Senior 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
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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

 


Total revolving limits 648500 (572500 reporting) FICO 8 EQ 725 TU 752 EX 732

Message 6 of 8
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Senior 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
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Senior Contributor

Re: PenFed EQ FICO 9 vs NFCU EQ FICO 9

Interesting info @MaizeandBlue! Thank you!
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.



RIP:






Scores updated May 2020, unless otherwise noted. 5 revolvers reporting a balance, where it's normally 1, but took an HP on EX.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
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