08-26-2013 07:12 AM
A few ago I tried the Cap One online cli and was declined, whatever. I recieved the letter stating why and it just stated this account is not eligible. The funny thing is is that they stated my equifax score is 705, not 700 where I've been stuck at for the last 3 mos. And I just checked my score here last week.
08-26-2013 08:24 AM
The difference between 700 and 705 is tiny and so doesn't really matter. It's possible that Cap One is using one of the FICO credit card enhanced scores, which is not quite the same as the one you get here, or a different generation of FICO, or a non-FICO score. Did they give the range of the score?
08-26-2013 08:49 AM
08-26-2013 02:23 PM
08-26-2013 03:40 PM
As longtime said, most likely enhanced bankcard FICO scoring model used. When i got my approval letter from BOA last week, they listed my score as 813 from TU, and i pulled it at 798, so small difference in scoring model. Usually works out to our advantage though with the difference.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.