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Capital One(HSBC)

Established Member

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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Message 1 of 5
4 REPLIES
Regular Contributor

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
Message 2 of 5
Established Contributor

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 $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 3 of 5
Valued Contributor

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 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 4 of 5
Valued Contributor

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! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 5 of 5