weird Equifax Score / Capital One question

[Ammer]

Hi,

last week I got my Capital One Venture approved with a 50K credit line (mentioned that before here since I was really suprised about the limit bc it was double the limit of my Amex Propel and my SPG).

Today I got the letter with the credit score disclosure.

They based my approval on my Equifax score of 727. The range was 334 to 818 !? What kind of score is that ? I thought the range is 300 to 850 ? My CreditKarma-Equifax score is 764. Why is the Cap1 score so much lower ? 

[Anonymous]

I believe that is Fico 04.

[Ammer]

and btw my TU score provided by CapOne itself is 783! Why are they using an Equifax score for approval but provide TU scores for customers?

[Anonymous]

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@Ammer wrote:

and btw my TU score provided by CapOne itself is 783! Why are they using an Equifax score for approval but provide TU scores for customers?

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The score provided by Cap One is not a Fico. In fact, it's a score that absolutely no creditor uses to make decisions.

[Anonymous]

CAPTOOL is correct, it's the Transunion New Account Model. Just use it for keeping up with information, do not rely on it for scores. Same goes for Credit Karma.

[Anonymous]

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@Ammer wrote:

Hi,

last week I got my Capital One Venture approved with a 50K credit line (mentioned that before here since I was really suprised about the limit bc it was double the limit of my Amex Propel and my SPG).

Today I got the letter with the credit score disclosure.

They based my approval on my Equifax score of 727. The range was 334 to 818 !? What kind of score is that ? I thought the range is 300 to 850 ? My CreditKarma-Equifax score is 764. Why is the Cap1 score so much lower ? 

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mmmmm strange, I never gt mine. They never sent me my credit score....