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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 03:15 PM
Just wanna chime in and say it can't be your credit score because I got an increase with a score around 630.
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.