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While looking over what came with my Quicksilver that I just got a couple of days ago, I was unable to find the credit scores Cap1 read when they checked my scores. Is this a mistake or do some lenders not include it in the welcome materials? I've only had Barclays before this.
No. Not mistake back 1 only tells you if you are declined. Their. Credit tracker is fako. So useless.
@taxi818 wrote:No. Not mistake back 1 only tells you if you are declined. Their. Credit tracker is fako. So useless.
Not necessarily true. It doesn't just apply to "only" not being approved, but if you receive less favorable terms on your card than what is offered to other consumers with better credit profiles, then they usually provide those scores. They may provide their own internal scoring range which would not necessarily correlate to your true FICO scores.
It sounds like you received their best terms. If you are curius for your real CS from Cap1, you can request a CLI. If they decline you, they will give you your CS. I can't recommend this with a new account, though. It might make Cap1 a little nervous for you to be requesting a CLI so quickly.
@barthooper wrote:While looking over what came with my Quicksilver that I just got a couple of days ago, I was unable to find the credit scores Cap1 read when they checked my scores. Is this a mistake or do some lenders not include it in the welcome materials? I've only had Barclays before this.
By the looks of it, you received their best terms (they would only send out scores if you didn't get the best terms). Congrats!
@CreditDunce wrote:It sounds like you received their best terms. If you are curius for your real CS from Cap1, you can request a CLI. If they decline you, they will give you your CS. I can't recommend this with a new account, though. It might make Cap1 a little nervous for you to be requesting a CLI so quickly.
I'm not curious enough to risk spooking them but I was just wondering if it was standard. I figured I had to have been missing one of the sheets because I didn't even get the disclosure that said the APR I was approved for.