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What score version does Cap 1 use for Ar's and cl increases

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My_Fako
Established Contributor
‎11-30-2015 07:09 PM
‎11-30-2015 07:09 PM

What score version does Cap 1 use for Ar's and cl increases

Title says it all.... 

Amex PRG NPSL I Chase Marriott $10k I Venture $15.3k I Amex BCE $10K I PNC 13K I Chase IHG $8.6k l Amazon $6k l Chase Hyatt 20k l US Bank Cash+ $13K I Barclays $12.6k I Venture $13k l Discover it $4.6k l Express Next $3.1k l Amex EverDay $15K l Cabelas 1k I Wayfair $17.1k I Walmart $8k l SG $9.8k l Target $3.6K I PP 2K l AU Shell Gas $900 opened in 1974 l Ex 704 Tu 698 Eq 667

Anything worth fighting for is worth fighting dirty for.
Message 1 of 6
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Skye12329
Valued Contributor
‎11-30-2015 08:15 PM
‎11-30-2015 08:15 PM

Re: What score version does Cap 1 use for Ar's and cl increases

Its going to be Equifax usually. I also think its Fico 04. Could be wrong.
BK7 - 2/21
Cap1 QS - 2k (4/21)
Mission Lane - 4k (11/21)
Venmo - 900 (11/21)
SavorOne - 2500 (12/21)
VentureOne - 2000 (7/22)
Message 2 of 6
My_Fako
Established Contributor
‎11-30-2015 08:52 PM
‎11-30-2015 08:52 PM

Re: What score version does Cap 1 use for Ar's and cl increases

Anyone else wanna chime in... 

Amex PRG NPSL I Chase Marriott $10k I Venture $15.3k I Amex BCE $10K I PNC 13K I Chase IHG $8.6k l Amazon $6k l Chase Hyatt 20k l US Bank Cash+ $13K I Barclays $12.6k I Venture $13k l Discover it $4.6k l Express Next $3.1k l Amex EverDay $15K l Cabelas 1k I Wayfair $17.1k I Walmart $8k l SG $9.8k l Target $3.6K I PP 2K l AU Shell Gas $900 opened in 1974 l Ex 704 Tu 698 Eq 667

Anything worth fighting for is worth fighting dirty for.
Message 3 of 6
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My_Fako
Established Contributor
‎11-30-2015 09:04 PM
‎11-30-2015 09:04 PM

Re: What score version does Cap 1 use for Ar's and cl increases

I thought they used TransUnion... Also would like to know which lender's use fico bankcard 08,04 etc... 

Amex PRG NPSL I Chase Marriott $10k I Venture $15.3k I Amex BCE $10K I PNC 13K I Chase IHG $8.6k l Amazon $6k l Chase Hyatt 20k l US Bank Cash+ $13K I Barclays $12.6k I Venture $13k l Discover it $4.6k l Express Next $3.1k l Amex EverDay $15K l Cabelas 1k I Wayfair $17.1k I Walmart $8k l SG $9.8k l Target $3.6K I PP 2K l AU Shell Gas $900 opened in 1974 l Ex 704 Tu 698 Eq 667

Anything worth fighting for is worth fighting dirty for.
Message 4 of 6
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Anonymous
Not applicable
‎12-01-2015 02:35 AM
‎12-01-2015 02:35 AM

Re: What score version does Cap 1 use for Ar's and cl increases

I see AR on EQ every 3 months or so. I have never seen any AR on EX or TU from them. I don't know if CLI is based on this AR or not.
Message 5 of 6
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takeshi74
Senior Contributor
‎12-01-2015 05:57 AM
‎12-01-2015 05:57 AM

Re: What score version does Cap 1 use for Ar's and cl increases

Check the Credit Pulls Database and existing threads.  We can't provide you with an exhaustive list of the CRA's and models used by various creditors.  CRA can vary by region and multiple pulls are always a possibility  -- especially with borderline profiles.

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