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Established Member
Posts: 37
Registered: ‎03-07-2013
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Capital One(HSBC)

Can someone tell me which credit reporting agency Capital One or HSBC use? When applied for a cc they gave me a credit score that was higher than what myfico is showing me

 

Thanks

2/26/13: 528-myfico EX
3/10/13: 533 myfico EQ
4/02/13: 539 myfico EQ
3/16/13: 566 EX(us bank)

Starting Score: 528
Current Score: 539
Goal Score: 650


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Regular Contributor
Posts: 246
Registered: ‎02-27-2013
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Re: Capital One(HSBC)

Cap One typically pulls all three reports, but on their letter, they usually tell you which of the three's score they used.

Start: (2-26): EQ 602 (Myfico) TU 579 (Credit Karma) EX 634 FAKO
Current: (7-12): EQ 690(myfico) WalmartTU 696 EX 689 (lender 6-3)
1st Goal: 680 across the board - DONE June 2013!
2nd Goal: 725 across the board
Established Contributor
Posts: 509
Registered: ‎10-25-2012
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Re: Capital One(HSBC)


primandproper wrote:

Can someone tell me which credit reporting agency Capital One or HSBC use? When applied for a cc they gave me a credit score that was higher than what myfico is showing me

 

Thanks


If it's higher than what myFico is showing you, I would say a different TU fico model or an EX score

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $6.6k | Chase Freedom $1k | Discover IT $1.4k |
Walmart $8k | Gordman's $2550 |
Scores: EQ: 676 EX: 714 TU: 725 Goal: 750 across the board
Valued Contributor
Posts: 1,896
Registered: ‎03-30-2012
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Re: Capital One(HSBC)

I remember HSBC using some kind of internal scoring method before Cap One took over, maybe it's one of those?

 

Do you remember the scale they were using?

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9550
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: Capital One(HSBC)

When I was approved for the Cap1 Best Buy card, they sent me a TU score, which was not the version that fico uses. I know they pulled all three but they only gave me Transunion.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014

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