topic Re: What FICO model does CAPITAL ONE pull ?? in Credit Cards

What FICO model does CAPITAL ONE pull ??

Anonymous — Fri, 11 Sep 2015 23:32:31 GMT

When I apped for my Quicksilver1 and PLATINUM, they pulled my EXP FICO 08 .. Scores were only 581 then. I'm up to 641 (EXPERIAN) and climbing FAST, and want to app for Quicksilver and Venture when I hit 670-680 mark .. but I was told for Venture & VentureOne they may pull FICO 4, where my scores are considerably lower. . But for regualr QS I'm wondering who they pull? Anyone get an approval or denial, and see which FICO they pulled on the letter? I want to do an app spree in a couple months (Citi Cash, VentureOne and Quicksilver, Barclay Rewards MC, Chase Freedom & USAA / NFCU), but need lenders who pull FICO 08 (I know Chase did for my Freedom in July). . Any input would be great!

Also, what scores did you have when you were APPROVED for the VentureOne or regular Quicksilver ? :-) Thank you!

Scores as of 11/14: TU 556 EXP 570 EQ 544

Scores as of 07/15: TU 584 EXP 582 EQ 566

Scores as of 9/11/15: TU 611 (yet to update huge UTIL paydwon)* EXP 641 EQ 580 (the lagger!!)

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Fri, 11 Sep 2015 23:53:40 GMT

Just approved for Venture and QS on the 4th. scores were 660. I do have 2 QS1's with them I've had for 5 months. So that may have helped alittle. Before I applied I checked the prequalifier and seen I was preapproved. Have you tried the prequalifier? O and they pull all 3 bureaus. Good thing is that if you apply for both back to back it will only be one time. At least with me it was.

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:02:23 GMT

What were your limits if you don't mind me asking ? I have 2 QS1 at 3 months old, Huge payment history (5x monthly) .. Nothing in Pre Qual yet. But I wasn't on that when they approved my QS1 either ! I'm going to wait until I at least hit 650 to apply, maybe even 670. :-)

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:04:53 GMT

Equifax is their main bureau when it comes to qualification for credit. They also use FICO 4, So that wait may be a little longer than anticipated.

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:24:48 GMT

Tuolonme, they used FICO 8 for my Quicksilver 1 s. I compared the score pulled to my FICO 8 at the time and many others on here state for some they pull FICO 8, others 4. Confusing !

(Mod Cut-Advocation of such practices is taboo on myFico)

Re: What FICO model does CAPITAL ONE pull ??

gdale6 — Sat, 12 Sep 2015 00:29:39 GMT

A non FSR post has been removed from this thread, I caution that all posting must be done in a FSR way. Thanks for your understanding.

http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/td-p/2905196

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:31:49 GMT

It is best to be realistic in what you may qualify for so you aren't disappointed in the results later. Approvals aren't just about scores, but the credit history that lead to those scores.

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:32:12 GMT

i know they don't use fico 08 that's for sure. whatever they pulled was 30 points lower than my fico 08 scores

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:34:27 GMT

I apologize.

They definitely pulled my FICO 08 for my QS1 though that I know. Not sure about the other cards though. That's what I'm trying to find out

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:36:27 GMT

my experience was from normal QS.

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:39:36 GMT

It is atypical for them to actually use FICO 8 scoring, but they may not have had, *ahem*, the option in your case. The most consistently reviewed score model for them remains FICO 4.

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:39:47 GMT

Ugh. I really want to find lenders who pull FICO 8 to maximize approval. Barclay does too but they are WAY too inquiry sensitive it seems. I'm sure there has to be a thread about which lenders use FICO 8. So far I know Chase, Barclay and possibly CAP ONE for some cards only

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:41:36 GMT

Have you considered Discover?

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:44:20 GMT

I don't know if they'll approve a 641. But yes I definitely want them and AMEX, and Citi (I know Citi uses FICO 8!!)

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:44:54 GMT

@Anonymous wrote:
What were your limits if you don't mind me asking ? I have 2 QS1 at 3 months old, Huge payment history (5x monthly) .. Nothing in Pre Qual yet. But I wasn't on that when they approved my QS1 either ! I'm going to wait until I at least hit 650 to apply, maybe even 670. :-)

QS 3k Venture 5k

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:47:00 GMT

Do you know if they did FICO 8 on that

Re: What FICO model does CAPITAL ONE pull ??

gdale6 — Sat, 12 Sep 2015 00:50:36 GMT

Cap-1 is not known to use the Fico 8 model for anything as of yet. They are known to occasionally use the Vantage Score along with Fico 04.

Re: What FICO model does CAPITAL ONE pull ??

delaney1 — Sat, 12 Sep 2015 00:53:22 GMT

I don't know what they pulled when I got my QS back in June. I do know they said my score was 648 with EQ and I was approved for $5k.

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:53:34 GMT

641 and lots of inquires you may be kinda limited. but hey in like 20 points your doors will open quite nicely

Re: What FICO model does CAPITAL ONE pull ??

Anonymous — Sat, 12 Sep 2015 00:55:26 GMT

2011X thanks. Once my UTIL reports under 30% by month's end I'm expecting a big boost, possibly well over 660. We will see. Being patient is so hard lol