topic Re: Does anyone know which scores are used? in General Credit Topics

Does anyone know which scores are used?

Anonymous — Fri, 10 Jul 2020 22:01:26 GMT

So I know that the original app with Capital One is a hard pull from all 3 bureaus but does anyone know who and what score they use for CLIs? I know that it is a soft pull.

Also, synchrony bank and NFCU. What score do they use for initials applications?

Maybe I'm not typing the right question in but I can't find what I'm looking for in the forums.
thanks for any help!

Re: Does anyone know which scores are used?

tcbofade — Fri, 10 Jul 2020 22:52:57 GMT

Capital One, could be any one of the big three. For me, it's usually Equifax.

Synchrony WAS using TU Fico 8 scores for applications, but that might be migrating over to Vantage 4.0.

NFCU uses TU Fico 9 scores for credit card applications, and EQ Fico 9 scores for loan applications.

Re: Does anyone know which scores are used?

Anonymous — Fri, 10 Jul 2020 23:16:02 GMT

Ok thank you! With capital one, is that Fico 8?

also, where could I find my vantage 4.0 scores?

Re: Does anyone know which scores are used?

Trudy — Sat, 11 Jul 2020 02:23:57 GMT

I don't know if all Synch cards provide a free score but mine does and can be found on the site where I pay my bill.

Not a lot of lenders or other sites provide V4 to date but my TUV4 with Synch has matched TUV3 so far for the past year.

Re: Does anyone know which scores are used?

Iusedtolurk — Sat, 11 Jul 2020 06:45:08 GMT

@Anonymous wrote:
Ok thank you! With capital one, is that Fico 8?
also, where could I find my vantage 4.0 scores?

Cap1 definitely known to do 3 hps.

Haven't found any monitoring services yet providing V4 scores.

The only place to see them through my experience is if you have a Syncrony account and they provide an updated V4 score monthly.

Re: Does anyone know which scores are used?

SouthJamaica — Sat, 11 Jul 2020 11:29:39 GMT

@Anonymous wrote:
So I know that the original app with Capital One is a hard pull from all 3 bureaus but does anyone know who and what score they use for CLIs? I know that it is a soft pull.

Also, synchrony bank and NFCU. What score do they use for initials applications?

Maybe I'm not typing the right question in but I can't find what I'm looking for in the forums.
thanks for any help!

For me it was always a time delayed EQ FICO 5, but I haven't been with Capital One for a couple of years.

Re: Does anyone know which scores are used?

Remedios — Sat, 11 Jul 2020 15:53:30 GMT

Capital One pulls EQ 5, like SJ said, and they perform AR every 4 months.

You would need to look at your CR to see when they did AR, as that's the score that will be used for the next 120 days.

In so many ways, score isnt really relevant to Cap One, usage is.

Re: Does anyone know which scores are used?

Anonymous — Mon, 13 Jul 2020 15:54:56 GMT

Ok thank you everyone!