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Established Contributor
Posts: 643
Registered: ‎07-03-2012
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Utilization's HUGE impact.

So I got a letter from Capital One today from a cli request. They denied because I've had one within the last six months, but my question has more to do with utilization. The score they gave me was only a 680 on EQ. That's such a huge score difference that at first I was afraid something might be going on with my report. I just checked and it's fine. They used an old soft pull from May when I had about  17% utilization and my Freedom had just reported. Before now all the scores I have gotten have been with very low utilization (under 5%). Is it really making that huge of a difference in my score or are they just not using a FICO score? If it weren't $20 I would just buy one on here to verify. The 724 in my sig is pretty old. It's really confusing as every other lender that has sent me a score for whatever reason has been around 750. If it is a FICO why such a huge difference just over utilization? Especially when it's under 20%.


Frequent Contributor
Posts: 283
Registered: ‎12-16-2011
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Re: Utilization's HUGE impact.

Until you have your FICO score in front of you, it will be hard to determine what is going on. My Credit Karma consistently shows a much lower score than My FICo Transunion. A 41 point difference. Whatever credit reporting agency you are basing your score on could be somewhat different than your FICO score that Capitol One is using.

Equifax FICO 781, Transunion FICO 821, Experian FICO 807,

810 goal on all three by 3-1-2015
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: Utilization's HUGE impact.

[ Edited ]

Default4 wrote:

So I got a letter from Capital One today from a cli request. They denied because I've had one within the last six months, but my question has more to do with utilization. The score they gave me was only a 680 on EQ. That's such a huge score difference that at first I was afraid something might be going on with my report. I just checked and it's fine. They used an old soft pull from May when I had about  17% utilization and my Freedom had just reported. Before now all the scores I have gotten have been with very low utilization (under 5%). Is it really making that huge of a difference in my score or are they just not using a FICO score? If it weren't $20 I would just buy one on here to verify. The 724 in my sig is pretty old. It's really confusing as every other lender that has sent me a score for whatever reason has been around 750. If it is a FICO why such a huge difference just over utilization? Especially when it's under 20%.


Did the letter from Cap1 explicitly state that the score was a FICO score, and did it have a scoring range?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Posts: 863
Registered: ‎03-04-2013
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Re: Utilization's HUGE impact.

I was told by a rep there that if they have a score form the last 60 days, they will use that.  I have yet to see them use a current score for me.  I'm waiting over 60 days for the next request so I'm assured they pull a new one.  They've always been matching my FICO to the mark (although always old scores).

FICO: EQ 722 | TU 710 | EX 718
SFFCU Visa $15k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $25k, Cap1 $4.5k, Freedom $8.5k, Slate $3.2k, Barclays SM $9k, Care Credit $13.5k.

My Credit Repair Journey
Established Contributor
Posts: 643
Registered: ‎07-03-2012
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Re: Utilization's HUGE impact.

It does not specify that it's a Fico, but it is a range of 300-850. All that it has is the source as Equifax Information Services. I just can't believe that 17% utilization over a couple of cards would have that much of an impact. 


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