topic Re: What Score Was Used? in Credit Card Applications

What Score Was Used?

Anonymous — Wed, 24 Apr 2019 14:46:40 GMT

Hey there!

In the near future I want to apply for the following - can any of you share what scores were pulled? (Overall FICO, FICO 9, or old bankcard score?) and also what you scores were at the time of approval? TIA!

CapitalOne SavorOne
Capital One Quicksilver Rewards
CapitalOne Venture One Rewards
NFCU
Bank of America Cash Rewards

Re: What Score Was Used?

thornback — Wed, 24 Apr 2019 15:13:19 GMT

CapitalOne SavorOne -- will HP all three bureaus / reports indicate they use Classic EQ 04 score to determine approval.
Capital One Quicksilver Rewards -- same as above
CapitalOne Venture One Rewards -- same as above
NFCU -- TU FICO 9 for CC approvals / EQ 9 for CLOC & CLIs -- very recent reports indicate EX 9 may be also used for CLIs at times.
Bank of America Cash Rewards -- TU FICO 8 seems to be the consensus.

Re: What Score Was Used?

Anonymous — Wed, 24 Apr 2019 15:16:44 GMT

What is Classic EQ 04? I don't see that on any of the variations on MyFico?

Re: What Score Was Used?

thornback — Wed, 24 Apr 2019 15:44:15 GMT

Sorry... meant to clarify and forgot...

Equifax FICO Score 5 Mortgage Enhanced (also known as EQ-04 or Beacon 5)

@Anonymous wrote:
What is Classic EQ 04? I don't see that on any of the variations on MyFico?