Cap one interesting

[aesl1982]

So did a cli request a few days ago for our cap one cards. Got denial letter today says credit score to low. But has a date of 7/30 for the credit score that’s crazy. In their app it shows it as 625 their letter said Equifax 488 7/30

[Hut1]

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@aesl1982 wrote:
So did a cli request a few days ago for our cap one cards. Got denial letter today says credit score to low. But has a date of 7/30 for the credit score that’s crazy. In their app it shows it as 625 their letter said Equifax 488 7/30

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Don't forget - the CreditWise score provided in your CO app is actually your Vantage score and not the FICO score which is used for new apps and CLI. Vantage is generally more giving with their computations. Mine is almost 40 points higher than my actual FICO.

Still, I would call and inquire about the date on the form. It could be a simple explanation of a human error when generating the letter.

[dragontears]

Cap1 (and some other credit card companies) will use the last SP not a fresh one for CLI requests.
Also cap1 uses older models not FICO8 or the vantage score they give you for free

[aesl1982]

Yah my Fico for Equifax is actually the same as the vantage, it’s weird. But from 7/30 that’s crazy. And 488. Nah not even close anymore. On 7/30 yes it was. But recently been approved for 5000 discover, 3500 care credit. And a cloc. I’m sure a 488 isnt cutting it for those lol. Cap one just don’t like me and wife at all. Lol. I’ve even ran 3k through their card and paid it off every week for two months now. They don’t wanna give up the soup that’s fine discover be getting all my love lol. And cap one can have my 9.99 Apple Music recurring charge

[chhull00]

Dont feel like the lone ranger on this, no luv for me either so they get 4 dollar shave club, every other month, thats all they deserve

[PutThatMoneyOnTheTable]

Cap 1 just getting monthly Netflix bill of $17. I wish I had a lower recurring monthly bill.

They can keep their $750 credit limit and shove it. 🙊😒😒😒

[Anonymous]

Cap1 uses your Equifax mortgage score for apps and CLI. And they don't fresh pull you for CLI. They just use whatever the last "account review" pull was, which as you have seen can be several months old. Just wait a few months and try for CLI again.