Navy Federal Credit Union uses fico9

Thank you, 800CreditScoreMan, Ive had a 535 credit....stupid collection that I didnt know about for 6yrs, and Ive never had a credit card, always bought cheaper and in cash. I understand budgetting and saving however no one in my immediate or "talking-to" family uses credit. Your show has helped me show people how res0onsible i already am with my finaces and the importance of doing so. Thank you.