topic Re: Capital One Fico Score Version in Credit Card Applications

Capital One Fico Score Version

Anonymous — Wed, 22 Nov 2017 16:06:24 GMT

Capital One is still using a Fico 3

I haven't been able to PC or increase my cl on either of my Cap1 QS1 cards. Other than the one auto increase I received back in June on my first card which will be 1 yr old first week in December, and being approved for a 2nd QS1 back in July and perfect usage/payment history on Friday, I finally decided maybe I just have to app for a new card with them and went for the QS. I was declined and just got the letter.

EQ frozen

TU few collections/co

EX few collections/co

Same on both

TU 647

EX 660

Util 1% over a CL total of $27K

The letter says that they pulled my EX score and it is 617. That is my Fico 3 score. Fico 8 is 660 and Fico Bank Card 8 675

Re: Capital One Fico Score Version

Anonymous — Wed, 22 Nov 2017 18:50:24 GMT

Why did you app with EQ frozen knowing you would be denied and waste 2 HPs on the other bureaus? Cap One always triple pulls as has been widely discussed and beaten to death on this forum.

Re: Capital One Fico Score Version

Anonymous — Wed, 22 Nov 2017 18:53:56 GMT

I didn't know I would be denied for having one bureau frozen. I have read several posts and credit pulls showing people approved for a Cap 1 card with 1 or even 2 bureaus on ice! If I hadn't read those posts or pulls, I never would have apped knowing I would waste 2 HPs!

Re: Capital One Fico Score Version

Anonymous — Wed, 22 Nov 2017 20:47:02 GMT

That's not true at all.. Cap1 would never approve pulling just one bureau. Or two for that matter.

It is ALWAYS ALWAYS ALWAYS a TRIPLE pull. And if you did your research in this forum, you would know that.

Re: Capital One Fico Score Version

Anonymous — Wed, 22 Nov 2017 20:48:33 GMT

You wasted 2 hard pulls and if you want a card, you will have to reapply.

Re: Capital One Fico Score Version

Loquat — Wed, 22 Nov 2017 20:55:52 GMT

@Anonymous wrote:
Capital One is still using a Fico 3
I haven't been able to PC or increase my cl on either of my Cap1 QS1 cards. Other than the one auto increase I received back in June on my first card which will be 1 yr old first week in December, and being approved for a 2nd QS1 back in July and perfect usage/payment history on Friday, I finally decided maybe I just have to app for a new card with them and went for the QS. I was declined and just got the letter.
EQ frozen
TU few collections/co
EX few collections/co
Same on both
TU 647
EX 660
Util 1% over a CL total of $27K
The letter says that they pulled my EX score and it is 617. That is my Fico 3 score. Fico 8 is 660 and Fico Bank Card 8 675

As others have mentioned, you can't app for a CapOne card with a report frozen and get positive results. There is an off chance that you can get by with a 1 or 2 HP pull on co-branded products such as PlayStation/Sony/GM Card but that's not even guaranteed. Best of luck if you try to reapply in the future...and be sure to unlock all of your reports!

Re: Capital One Fico Score Version

Anonymous — Wed, 22 Nov 2017 20:56:12 GMT

Just data...I was approved for my QS in Jan with one CRA closed. At the time I already had a QS1. The applying while it was locked was a mishap on my part, but it all worked out.

With that being said, if you opened your last Cap1 card in July, that’s why you were denied. It hasn’t been 6 months.

Re: Capital One Fico Score Version

CreditCuriosity — Wed, 22 Nov 2017 22:26:27 GMT

It really depends on whether Cap1 wants 3 or 2 HP's for a new CC.. If you profile is on the weaker side they certainly want the 3 majors and minors as well being Innovis/Sagestream,etc.. If you have a strong profile you might be able to get by with two, but nothing is guranteed and why take the risk? Just proves it was a gamble that didn't pay off and cost two HP's as a result of it. Unless you are rocking a 800+ score across the board I woud never suggest applying for a Cap1 card with any CRA's froozen otherwise it is a role of a dice. YMMV as above poster mentioned.

Re: Capital One Fico Score Version

darrin073 — Thu, 23 Nov 2017 00:35:37 GMT

Not true at all i had all cra on ice but experian and they approved my plat cc

Re: Capital One Fico Score Version

Anonymous — Thu, 23 Nov 2017 05:35:26 GMT

I've been approved for 2 Cap 1 cards with one or more CRA's frozen. The 1st card I got in Feb this year, had EX and EQ frozen and was approved. The 2nd card I got in Aug of this year, I had EQ frozen and was approved. So YMMV.

Re: Capital One Fico Score Version

Anonymous — Fri, 24 Nov 2017 02:37:57 GMT

My Capital One Platinum card app only pulled TU and EQ, so sometimes they only pull 2.

Re: Capital One Fico Score Version

Anonymous — Sat, 25 Nov 2017 19:09:15 GMT

So like I said...

I have read several posts on these boards where people were approved with one or even two bureaus frozen. So, in my case it didn't work out, oh well, no big deal, I wasted a few HPs. It's not permanent! I'm certainly not deaperate enough that I'm going to go and have another go at it! Took a chance...

read through the responses here and you will see that some have been successful!