cancel
Showing results for 
Search instead for 
Did you mean: 

Capital one free credit score

tag
thecentury303
New Contributor

Re: Capital one free credit score

Is there a risk with this? For example, you got approve and it becomes a hard pull somehow?

Capital One Cash Rewards for New Comer: $1,500 (09/12), Local Credit Union: $1,500 (10/12), Chase Freedom: $1,500 (04/13), Discover IT: $2,100 (04/13), AMEX Gold Charge Card: NPSL (06/13), AMEX BCE: $6,000 (06/13), Chase United Explorer: $6,000 (10/13), Chase Ink Cash: $3,000 (10/13), Barclays Arrival Platinum: $3,000 (10/13), US Bank Flexperk Travel Rewards: $5,000 (01/14), Capital One Venture: $5,000 (01/14), Citi AA World MC: $6,500 (01/14),Citi AA Executive World Elite MC: $5,000 (01/14)
Message 11 of 29
JonStur
Established Contributor

Re: Capital one free credit score

That's genius...thanks for the heads up!!!!


Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)

Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 12 of 29
pizzadude
Credit Mentor

Re: Capital one free credit score


@thecentury303 wrote:

Is there a risk with this? For example, you got approve and it becomes a hard pull somehow?


Cap1 is almost always a soft pull for CLI ~ there may be some situations where it's a hard pull but I don't think that happens very often.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 13 of 29
thecentury303
New Contributor

Re: Capital one free credit score

Thanks, I tried and got 10 days msg. Smiley Sad

Capital One Cash Rewards for New Comer: $1,500 (09/12), Local Credit Union: $1,500 (10/12), Chase Freedom: $1,500 (04/13), Discover IT: $2,100 (04/13), AMEX Gold Charge Card: NPSL (06/13), AMEX BCE: $6,000 (06/13), Chase United Explorer: $6,000 (10/13), Chase Ink Cash: $3,000 (10/13), Barclays Arrival Platinum: $3,000 (10/13), US Bank Flexperk Travel Rewards: $5,000 (01/14), Capital One Venture: $5,000 (01/14), Citi AA World MC: $6,500 (01/14),Citi AA Executive World Elite MC: $5,000 (01/14)
Message 14 of 29
tdrjustus3
Regular Contributor

Re: Capital one free credit score

My Cap 1 score matched myFico score at the time.



No apps until 8/2014
March 2013 Starting FICO Score: EQ: 584 TU: 564 EX: ??
August 2013 Current FICO Scores: EQ:664 EX:684 Walmart TU: 666
Message 15 of 29
Home2014
New Contributor

Re: Capital one free credit score

Am I the only one who doesn't see a score?  Is it in that line of tiny print at the bottom? *grabs glasses*

Chase Sapphire Preferred $10,000 | United Mileage Plus Visa $8000 | Bank of America Cash Rewards $5000 | Chase Freedom Visa $4800 | Citi AAdvantage Platinum World MC $3500 | PayPal Extras MC $3250 | Amazon Store $3000 | Quicksilver One MC $2500 | Walmart Discover $2000 | Merrick Bank Visa $1400 | First Premier Bank $300
Last App 01/10/2014... In the Garden until Fall 2014
Message 16 of 29
kroberts67
Established Contributor

Re: Capital one free credit score

I've done the same but my scores are always from an older pull.  Check the dates, it will show yo the FICO score pull date.  They may be from a month prior.

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 17 of 29
pizzadude
Credit Mentor

Re: Capital one free credit score


@kroberts67 wrote:

I've done the same but my scores are always from an older pull.  Check the dates, it will show yo the FICO score pull date.  They may be from a month prior.


Yep, they use your most recent soft pull, which can be several weeks or even months old

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 18 of 29
bigblue7722
Valued Contributor

Re: Capital one free credit score


@pizzadude wrote:

@kroberts67 wrote:

I've done the same but my scores are always from an older pull.  Check the dates, it will show yo the FICO score pull date.  They may be from a month prior.


Yep, they use your most recent soft pull, which can be several weeks or even months old


Do you know when they update the soft pull? When i get my score it still says from 6/25.

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 19 of 29
john398
Senior Contributor

Re: Capital one free credit score

Yeah mine saysits dated for 6/25/13 also I get denied because I had an increase within the last 6 months

Message 20 of 29
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.