topic Re: capital one in Credit Card Applications

capital one

Anonymous — Sat, 10 Dec 2016 21:48:29 GMT

which fico score does capital one venture use? 2, 4, 8, or 9? and which credit bureau? experian, equifax, or transunion?

Re: capital one

rmduhon — Sat, 10 Dec 2016 21:52:15 GMT

I don't know which version they use, but they pull all 3 bureaus.

Re: capital one

Anonymous — Sat, 10 Dec 2016 22:55:05 GMT

what about citi double cash or chase freedom unlimited ?

Re: capital one

dragontears — Sat, 10 Dec 2016 23:02:58 GMT

Chase always double pulls me (TU and EX), they also have their own internal score model

Re: capital one

Anonymous — Sat, 10 Dec 2016 23:05:43 GMT

oh okay, does anybody know which banks usually use? fico or vantage ?

Re: capital one

dragontears — Sat, 10 Dec 2016 23:15:37 GMT

I don't know of any bank that uses vantage scores

Re: capital one

Anonymous — Sat, 10 Dec 2016 23:55:31 GMT

@Anonymous wrote:
which fico score does capital one venture use? 2, 4, 8, or 9? and which credit bureau? experian, equifax, or transunion?

According to what I've read on here, they use FICO 04 and will definitely pull all three.

Re: capital one

Anonymous — Sun, 11 Dec 2016 01:31:14 GMT

but only transunion has fico 04

Re: capital one

Anonymous — Sun, 11 Dec 2016 01:32:47 GMT

@Anonymous wrote:
@Anonymous wrote:
which fico score does capital one venture use? 2, 4, 8, or 9? and which credit bureau? experian, equifax, or transunion?
According to what I've read on here, they use FICO 04 and will definitely pull all three.

but the only one i see with fico 04 scores on my three reports is transunion

Re: capital one

sjt — Sun, 11 Dec 2016 01:42:45 GMT

@Anonymous wrote:
which fico score does capital one venture use? 2, 4, 8, or 9? and which credit bureau? experian, equifax, or transunion?

They use the older versions of FICO.

Re: capital one

Anonymous — Sun, 11 Dec 2016 02:12:12 GMT

@Anonymous wrote:
but only transunion has fico 04

http://www.doctorofcredit.com/types-fico-scores/

Re: capital one

SouthJamaica — Sun, 11 Dec 2016 02:35:21 GMT

@Anonymous wrote:
which fico score does capital one venture use? 2, 4, 8, or 9? and which credit bureau? experian, equifax, or transunion?

1. They usually pull all 3 bureaus.

2. I don't know what FICO formula they use for approvals but for credit limit increases they always cite the FICO 5 EQ.

Re: capital one

heavyjay — Tue, 13 Dec 2016 00:17:21 GMT

You can freeze EQ or EX and still be approved.