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Capital One Credit card offer.. Question

Regular Contributor

Capital One Credit card offer.. Question

I just got my first offer from Capital One, The offer is for a Capital One Plantium MasterCard.  What credit report will they pull? EXP, EQ or TU?

 

My scores as of today are:

 

EX: 610

EQ: 585

TU: 625

Message 1 of 16
15 REPLIES
Frequent Contributor

Re: Capital One Credit card offer.. Question

CapOne usually pulls all 3 CR's

 

 


AMEX Platinum NPSL | AMEX Zync NPSL | AMEX Delta Platinum $4000 | Travelocity Amex $4000 | CapOne No Hassle Rewards $2500 | BBRZ MC $800 | Local CU Visa $1000 | Kay $2000 | Citi Hilton HHonors Reserve $5000 | Chase Marriott Rewards $5000 | BankAmericard Travel Rewards Visa $7000 | Discover IT $1000
In the garden until 10/2014
Message 2 of 16
Regular Contributor

Re: Capital One Credit card offer.. Question

Thanks!!

Message 3 of 16
Regular Contributor

Re: Capital One Credit card offer.. Question

Do you guys think i have a chance ?

Message 4 of 16
Moderator Emeritus

Re: Capital One Credit card offer.. Question

 


keikdasneak wrote:

Do you guys think i have a chance ?


 

I'll have to answer your question with a question.

 

Where did you get your scores? No one has been able to pull their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myfico. I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Equifax score at www.equifax.com (If you look hard enough) and your Transunion score at www.transunioncs.com.

 

 

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
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Whats In Your FICO Score

Message 5 of 16
Regular Contributor

Re: Capital One Credit card offer.. Question

I got them from my credit union (ex) and My Fico.com for eq and TU.

Message 6 of 16
Moderator Emeritus

Re: Capital One Credit card offer.. Question

 


keikdasneak wrote:

I got them from my credit union (ex) and My Fico.com for eq and TU.


 

Then your scores are good to go.  Smiley Happy  I won't attempt to say whether you'd be approved or not.

 

 

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

Message 7 of 16
Valued Contributor

Re: Capital One Credit card offer.. Question

Cap One pulled all 3 credit reports when I was approved for their secured card.

CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Message 8 of 16
Valued Contributor

Re: Capital One Credit card offer.. Question

I buy my EQ and TU scores from My Fico.  They usually

have a code for a discount.  It has been removed lately.You

can get EX direct from Experian.

 

Cap One pulls all 3 CRAs.

 

Hi casinoannie! Unfortunately we can't post discount codes on these forums. However, in the future, feel free to suggest that others google "myFICO discount codes" or to checkout twitter.com/myFICO for some great discounts. BTW, the ones on twitter are better the the one you posted. FYI for some extra savings. - llecs, myFICO moderator.

 

Message 9 of 16
Senior Contributor

Re: Capital One Credit card offer.. Question

IME, Cap1 offers are very unreliable as a predictor of your approval.  I have known many, many people who received offers repeatedly every month, only to get rejected on "acceptance" which is really an application.

 

If you follow the credit basics here...that is your best predictor.  Go to the Cap1 site and look at their products...they list who the card is best suited for by credit traits.

 

txjohn

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 10 of 16