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@Anonymous wrote:
@MANNING2379 wrote:
@Anonymous wrote:What reasons does Cap One give you for denials? When was the last time you apped? Do you know your FICO 4 scores? I believe Cap One actually uses EQ FICO 4....
Number of collection accounts
Number of new accounts
20 days ago
Yeah, fico 4 scores are about 120 points lower than my other scores. They haven't raised at all in the last 10 months (and I've purchased new reports with the scores 4 times over the last ten months.)
That may be the issue right there. Does the EQ score that Cap One shows (on the denial document) correspond with your FICO 4 scores?
Nope. It's totally different. It's basically a random score that is inbetween both of them.
Maybe the Bank Enhanced FICO (either new or old version)? There does seem to be some question as to exactly what model Cap One is currently using....
yeah one of the apps I did, I tried to time the app with when I purchased my reports. I compared them all to the score I got from them and it wasn't within 15 points of any of them.
@MANNING2379 wrote:yeah one of the apps I did, I tried to time the app with when I purchased my reports. I compared them all to the score I got from them and it wasn't within 15 points of any of them.
I wonder if they are using the Vantage 3.0 now?
I have the 4 in my signature - each with $500 limit
Cap One QS
Cap One Platinum
Discover It
Chase Freedom
I got all of them at about the same time (within 2 weeks) and my scores were about a 607 at the time.....