topic Re: $100? TRe: Minimum FICO Score For Capital One in Credit Cards

Minimum FICO Score For Capital One

Cotton_Britches — Wed, 11 Nov 2015 01:37:28 GMT

Anyone know the minimum score required for a Capital One starter card/rebuilder card? My highest score at the moment is FICO 585 on Equifax.

Re: Minimum FICO Score For Capital One

pizza1 — Wed, 11 Nov 2015 01:40:52 GMT

oohhhh....mmmm, thats a toughie.

Id say 50/50 shot at the Plat for a $200-$300 cl.

Have you gone over to who pulled my credit and checked out cap1 with your scores??? Or checked out the prequal site on Cap1's site??

Re: Minimum FICO Score For Capital One

Anonymous — Wed, 11 Nov 2015 01:44:50 GMT

for secured i have seen 530s but for unsecured you should still be in the running. my ex wife got the platinum with sub 600 scores and she's the most financially retarded person i know lol

Re: Minimum FICO Score For Capital One

Cotton_Britches — Wed, 11 Nov 2015 01:46:39 GMT

I can't find the site who pulled my credit. Is there a link somewhere for it?

Re: Minimum FICO Score For Capital One

Cotton_Britches — Wed, 11 Nov 2015 01:49:31 GMT

@Anonymous wrote:
for secured i have seen 530s but for unsecured you should still be in the running. my ex wife got the platinum with sub 600 scores and she's the most financially retarded person i know lol

Is that why she's now the ex-wife? lol

Re: Minimum FICO Score For Capital One

ddemari — Wed, 11 Nov 2015 01:59:19 GMT

i found some old paperwork a while back from when I was approved for a platinum mastercard back in 2011. fico score based on EQ was 570's. 500 limit.

Re: Minimum FICO Score For Capital One

Kirmie2010 — Wed, 11 Nov 2015 02:17:11 GMT

Score was 582 when I got my platinum and quicksilver one.

300 dollar limits.

Re: Minimum FICO Score For Capital One

Anonymous — Wed, 11 Nov 2015 02:29:33 GMT

capital one is the ultimate rebuilder/i screwed up (okay maybe a lot)/i need a fourth chance lender. don't fret too much

Re: Minimum FICO Score For Capital One

pizza1 — Wed, 11 Nov 2015 02:30:16 GMT

Id say apply for the plat,

Re: Minimum FICO Score For Capital One

Anonymous — Wed, 11 Nov 2015 02:30:44 GMT

and cotton, that's part of it. before her i always had money saved. with her i got in $8k in debt and now she's gone i am good and saving money again. it's amazing what a wife can do with money lol jk jk jk. but my ex... yes. i don't look back.

Re: Minimum FICO Score For Capital One

Anonymous — Wed, 11 Nov 2015 02:56:30 GMT

Capital One denied me the platinum card card with a 646-656 across the board. Not sure what they look for. With your scores, Synchrony (might) offer you a store card. I got Wal-Mart $300, Belk's $200 and Kohl's $300. The reason I suggest Synchrony is because my wife has $29,000 in charge offs and they gave her an Amazon card for $600. I figure nobody's credit is more nasty than hers and stay away from Credit One Bank.

Re: Minimum FICO Score For Capital One

Anonymous — Wed, 11 Nov 2015 02:59:59 GMT

lol way to diss your wife publicly hahahah. jk. anyway do you remember your denial reason...? i have seen people get the QS1 and even QS with those scores. and existing holders have "supposedly" gotten the venture with scores like that and lower too.

Re: Minimum FICO Score For Capital One

takeshi74 — Wed, 11 Nov 2015 13:32:18 GMT

@Cotton_Britches wrote:
I can't find the site who pulled my credit. Is there a link somewhere for it?

While this isn't Who Pulled My Credit, you can also use the first Google hit if you search on "who pulled my credit".

@Cotton_Britches wrote:
Anyone know the minimum score required for a Capital One starter card/rebuilder card? My highest score at the moment is FICO 585 on Equifax.

Don't rely on just one score. Creditors can perform multiple pulls -- especially in borderline cases. Also always consider the specific scoring model. Does CO use the FICO model you're relying on?

Re: Minimum FICO Score For Capital One

Anonymous — Wed, 11 Nov 2015 18:55:50 GMT

I don't know what my actual fico scores were at the time but my Fako scores were somewhere between high 500s and low 600s. Got approved for Platinum and No Hassle Rewards both at $1000

Re: Minimum FICO Score For Capital One

SunriseEarth — Wed, 11 Nov 2015 19:40:23 GMT

@Cotton_Britches wrote:
Anyone know the minimum score required for a Capital One starter card/rebuilder card? My highest score at the moment is FICO 585 on Equifax.

I would try the prequalifier. When I was over at the Cap One site yesterday, I noticed a very interesting rebuilder card. They give you a line of $100 and then see how you can handle it for a few months. It doesn't sound like it reports until that period is over, but it could be a good way to build history.

Re: Minimum FICO Score For Capital One

Anonymous — Wed, 11 Nov 2015 19:45:56 GMT

My low was 601 TU high was 655 EX they pulled EX on me..

$100? TRe: Minimum FICO Score For Capital One

Cotton_Britches — Wed, 11 Nov 2015 21:50:54 GMT

$100? That sounds like a partially secured credit card. I know Cap One offers those as well.

Re: $100? TRe: Minimum FICO Score For Capital One

Anonymous — Wed, 11 Nov 2015 21:56:13 GMT

I was 30 days out of discharged CH7 BK with a 521 score and was approved for a platinum MC with a $300 SL. C-1 was included.