topic Re: Credit One Application in General Credit Topics

Credit One Application

Anonymous — Mon, 21 Sep 2020 20:48:25 GMT

I recently applied for a cc through credit one bank . While I got approved, I was concerned that they had my credit score significantly lower than what it is. I checked all my different fico scores, bankcard, fico 8, fico 3 etc, and they all were significantly higher. They said they pulled from experian, but I even checked with them as well and they don't have a score for me that low. Has anyone else experienced something similiar or know why?

Re: Credit One Application

blindambition — Mon, 21 Sep 2020 21:04:02 GMT

Don't stress over it. They likely used internal score, or Vantage score.

Re: Credit One Application

jmos — Mon, 21 Sep 2020 22:20:22 GMT

Hi @Anonymous what was the score range that used? That will give you an idea.

Re: Credit One Application

Slabenstein — Mon, 21 Sep 2020 22:25:35 GMT

They use an internal score. The scores they disclose w/ application decisions regularly don't match any available FICO or Vantage score for the applicant. It doesn't really matter if it's low as long as you got the card, esp since one Credit One card is usually all anyone ever needs to get.

Re: Credit One Application

flexin222 — Mon, 21 Sep 2020 22:37:32 GMT

Congrats on the approval! If you stress over the mess it will affect your chest...lol

Re: Credit One Application

Anonymous — Mon, 21 Sep 2020 22:54:46 GMT

I believe it was 300-900. I know for sure the high was 900

Re: Credit One Application

Anonymous — Mon, 21 Sep 2020 22:56:51 GMT

@Slabenstein wrote:
They use an internal score. The scores they disclose w/ application decisions regularly don't match any available FICO or Vantage score for the applicant. It doesn't really matter if it's low as long as you got the card, esp since one Credit One card is usually all anyone ever needs to get.

Thanks for the info