topic Which Bureau for Capital One in General Credit Topics

Which Bureau for Capital One

Anonymous — Sun, 11 Jul 2021 18:33:20 GMT

Capital One offers a free TransUnion Vantage score. So for a new card or credit limit increase, does Cap One use the vantage score or does it use your FICO score? My Vantage score is much higher.

Re: Which Bureau for Capital One

Brian_Earl_Spilner — Sun, 11 Jul 2021 18:35:17 GMT

They use a mortgage score. Don't remember which one off the top of my head.

Re: Which Bureau for Capital One

Horseshoez — Sun, 11 Jul 2021 19:27:40 GMT

@Anonymous wrote:
Capital One offers a free TransUnion Vantage score. So for a new card or credit limit increase, does Cap One use the vantage score or does it use your FICO score? My Vantage score is much higher.

CapOne does not use Vantage scores for underwriting, and with the exception of Synchrony which uses Vantage 4.0 for at least some of their underwriting decisions, I know of no other lenders which use any form of Vantage for new card starting limits or credit limit increases.

What they do use is some form of FICO score, which one I do not know. I applied for three CapOne cards in 2020 (one denial, one approved and then closed 7 weeks later because I didn't like it, and one approved), and each time they hit all three credit bureaus with a hard pull. Then in May of this year I took a whack at a CLI (I didn't need it, just did it for kicks and grins) and they hit me with a soft pull from each of the three credit bureaus.

Re: Which Bureau for Capital One

M_Smart007 — Mon, 12 Jul 2021 15:22:10 GMT

They also use EX FICO3 (card score)