Cap.1 using old report.

[Anonymous]

I decided to give the Venture a shot on Thursday night resulting in a instant denial , now this morning I receive the online document stating the reason for denial was my score which it says 594 but with a date of 12/14/14. My ex score is 682 according to MyFico and American express , so they based there denial off a report 3 months old but still hit me with a hp on each burueu.

[Aarvard]

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@Anonymous wrote:
I decided to give the Venture a shot on Thursday night resulting in a instant denial , now this morning I receive the online document stating the reason for denial was my score which it says 594 but with a date of 12/14/14. My ex score is 682 according to MyFico and American express , so they based there denial off a report 3 months old but still hit me with a hp on each burueu.

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It's totally weird. So what's the point in pulling new reports???
You should call EO office to recon. 

[Anonymous]

Exactly my thoughts, they used my report from when I app'd for QS1. I sent an email to the EO office.

[racer-x]

Yup....I been getting my CLI denials for the CapOne MC that I hit weekly, and they show an EQ score from end of December.  It's 50pts higher now.

But at the same time, I was instant approved for the Venture $10k a month ago and they did use my current scores.

[Anonymous]

What are my chances of having them manually review it without another round of hp's?

[Anonymous]

I believe that CapOne is using a different model than Fico 8....I believe it is fico 4. So your score maybe correct with that model.

[masscredit]

I've found the same thing if I get denied online then get a letter explaining why. The score is dated a few months prior. Calling the EO usually results in a SP approval. Don't know if they see the current score when doing that. Most likely they do. 

[Anonymous]

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@masscredit wrote:

I've found the same thing if I get denied online then get a letter explaining why. The score is dated a few months prior. Calling the EO usually results in a SP approval. Don't know if they see the current score when doing that. Most likely they do. 

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Hope so, I emailed the EO and reached out on FB.

[CreditCuriosity]

They are known for using SP's from 2-4 months back..  Only option is EO route.  I also believe they use EQ 04 as there primary scoring model