CR Pull? Credit One Bank?

lharasiuk · ‎11-20-2013

Anybody have any idea what company Credit One credit card does a credit pull from? I have a EQ 698 and TU 615 and after trying a pre-qualification, they reported to me that I have a credit score of 142!!! I am shocked.

In the garden for 6 months until 05/21/14
Cap1 ($500, June '13), First Prem. ($700, Oct '13), Barclay Rewards ($500, Nov '13), Walmart ($700, Nov '13)

Starting Score: 598 EQ (11/19/13), 615 TU (11/20/13)
Current Score: 614 EQ (12/30/13), 645 TU (12/30/13), 660 EX (12/30/13)
Goal Score: 700+

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lharasiuk · ‎11-20-2013

I found it in the denial letter. They used Experian. The only one I didn't have a score for. But does that even remotely make sense that there is a 500 point difference?

In the garden for 6 months until 05/21/14
Cap1 ($500, June '13), First Prem. ($700, Oct '13), Barclay Rewards ($500, Nov '13), Walmart ($700, Nov '13)

Starting Score: 598 EQ (11/19/13), 615 TU (11/20/13)
Current Score: 614 EQ (12/30/13), 645 TU (12/30/13), 660 EX (12/30/13)
Goal Score: 700+

Take the myFICO Fitness Challenge

coldnmn · ‎11-20-2013

That is an internal score from credit one. You can get your credit score free from EX with the denial and figure out what's on the report. They take more than credit score into account they look at your whole credit file before extending credit.

edit: report not score as Lexie stated thinking report typed score.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

09Lexie · ‎11-20-2013

Point of clarification, you may receive a free credit report from Experian but not a free credit score.

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Startome · ‎11-20-2013

I want to mention too that ficos don't go below 300 do they?

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)
Starting total revolving credit: $0 | Current total revolving credit: $1600.00
Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013

2013 Goals:
~~1,000.00 Emergency Fund~~
~~1,000.00 Emergency Fund, AGAIN~~
Mechanically Sound Car
~~Unsecured Card~~

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500

Revelate · ‎11-20-2013

@Startome wrote:
I want to mention too that ficos don't go below 300 do they?

Bankcard enhanced ('08 I believe) is 250-900.

Below 250 I think your statement is completely accurate though; Edit: FICO NextGen is 150 base reportedly.

Edit x2: OP, if it doesn't say FICO explicitly on your denial letter it's anything goes.

lharasiuk · ‎11-21-2013

There paper said that their scores range from a -5 to 298 so it must be some sort of internal calculation that they come up with and not your actual FICO number.

In the garden for 6 months until 05/21/14
Cap1 ($500, June '13), First Prem. ($700, Oct '13), Barclay Rewards ($500, Nov '13), Walmart ($700, Nov '13)

Starting Score: 598 EQ (11/19/13), 615 TU (11/20/13)
Current Score: 614 EQ (12/30/13), 645 TU (12/30/13), 660 EX (12/30/13)
Goal Score: 700+

Take the myFICO Fitness Challenge