topic Re: Which Score/Agency Does Capital One Use? in General Credit Topics

Which Score/Agency Does Capital One Use?

WhiteCollar — Mon, 17 Aug 2020 04:15:48 GMT

Can anyone confirm if TU is the agency Cap One pulls and the type of score they use?

Thanks!!

Re: Which Score/Agency Does Capital One Use?

Brian_Earl_Spilner — Mon, 17 Aug 2020 04:18:06 GMT

They pull all of them at the same time. The co-branded cards will typically only have 1 bureau pulled with the exception of Walmart, which is a core card and treated like the rest of their cores.

Re: Which Score/Agency Does Capital One Use?

Jnbmom — Mon, 17 Aug 2020 04:18:17 GMT

@WhiteCollar wrote:
Can anyone confirm if TU is the agency Cap One pulls and the type of score they use?

Thanks!!

Cap One pulls ALL 3........................................

Re: Which Score/Agency Does Capital One Use?

AllZero — Mon, 17 Aug 2020 04:45:54 GMT

As above. Triple whipple. 3 hard pulls for 1 card. Not sure on the scoring model, I've read they may use the older ones?

Re: Which Score/Agency Does Capital One Use?

wasCB14 — Mon, 17 Aug 2020 04:52:26 GMT

My EQ didn't unfreeze in time, so just TU/EX. Clean file and pending for 24 hours.

Re: Which Score/Agency Does Capital One Use?

WhiteCollar — Wed, 19 Aug 2020 20:08:18 GMT

Thanks eveyone! I'm gonna hold off on getting any Cap One products. I don't want 3 hp's right now.

Re: Which Score/Agency Does Capital One Use?

Slabenstein — Wed, 19 Aug 2020 21:36:03 GMT

Even though you're holding off, I can share the DP that the score Cap1 disclosed to my SO w/ their app last week was an EQ score w/ a range of 334-818.

Re: Which Score/Agency Does Capital One Use?

HeavenOhio — Wed, 19 Aug 2020 21:39:16 GMT

As mentioned, they pull all three for applications. When they cite a score, it's Equifax 04 (FICO 5) Classic, which is one of the three scores used for mortgages.

Re: Which Score/Agency Does Capital One Use?

Slabenstein — Wed, 19 Aug 2020 21:45:16 GMT

Yeah, they got an HP to all three. I just didn't know which score that range matched.

Re: Which Score/Agency Does Capital One Use?

IaBoy62 — Fri, 08 Jan 2021 16:15:34 GMT

I know this thread is kind of old but I just got approved for the Walmart Mastercard and they cited and experian score of 624 on a scale of 325 to 850? is this some kind of internal score that they use? all of my experience scores range from 678 to 703. any thoughts or information would be appreciated.

Re: Which Score/Agency Does Capital One Use?

HeavenOhio — Fri, 08 Jan 2021 18:28:06 GMT

@IaBoy62, specifically, which scores can you access that fall into the range you cite?

It's very possible that Capital One used the classic Experian verison of FICO 04, aka Experian FICO Score 3. According to the many flavors of FICO thread, this score has a "real world" range of 325–850, which matches your description. It's obscure enough that myFICO doesn't include it in its 28-score package.

The only Experian score from that family provided by myFICO is the bankcard version. Unlike most bankcard scores, this one officially ranges from 300 to 850. It's possible that Capital One could be using this score, but I'd bet on the other one mentioned above.

Re: Which Score/Agency Does Capital One Use?

IaBoy62 — Fri, 08 Jan 2021 18:05:48 GMT

@HeavenOhio by gosh it does match my FICO 3 score.....I don't include that score on my credit scores spreadsheet because I didn't think anybody in the world used it and I totally ignore it when I get my new reports and scores from my FICO...my bad! thanks for pointing that out because I was driving myself crazy trying to figure out where they got that 624!

Re: Which Score/Agency Does Capital One Use?

HeavenOhio — Fri, 08 Jan 2021 18:33:52 GMT

@IaBoy62, thanks for confirming that it's definitely the bankcard score.

Experian 04 is definitely a strange one. The range of 300–850 (rather than 250–900) is unique among industry enhanced scores. Along with that, it's the only score of mine that actually increased when all of my cards reported balances of zero. I wonder if oddities like these are behind the fact that we don't see it used a lot and that the older Experian 98 score is used for mortgages.

Re: Which Score/Agency Does Capital One Use?

WhiteCollar — Sat, 09 Jan 2021 03:45:12 GMT

Tonight I used the CapOne pre-qualify tool and was told they used EQ. I'm aware it was a SP only.