Capital One Fico Score Version

[Anonymous]

Capital One is still using a Fico 3

I haven't been able to PC or increase my cl on either of my Cap1 QS1 cards. Other than the one auto increase I received back in June on my first card which will be 1 yr old first week in December, and being approved for a 2nd QS1 back in July and perfect usage/payment history on Friday, I finally decided maybe I just have to app for a new card with them and went for the QS. I was declined and just got the letter.

EQ frozen

TU few collections/co

EX few collections/co

Same on both

TU 647

EX 660

Util 1% over a CL total of $27K

The letter says that they pulled my EX score and it is 617. That is my Fico 3 score. Fico 8 is 660 and Fico Bank Card 8 675

[Anonymous]

Why did you app with EQ frozen knowing you would be denied and waste 2 HPs on the other bureaus? Cap One always triple pulls as has been widely discussed and beaten to death on this forum.

[Anonymous]

I didn't know I would be denied for having one bureau frozen. I have read several posts and credit pulls showing people approved for a Cap 1 card with 1 or even 2 bureaus on ice! If I hadn't read those posts or pulls, I never would have apped knowing I would waste 2 HPs!

[Anonymous]

That's not true at all.. Cap1 would never approve pulling just one bureau. Or two for that matter.

It is ALWAYS ALWAYS ALWAYS a TRIPLE pull. And if you did your research in this forum, you would know that.

[Anonymous]

You wasted 2 hard pulls and if you want a card, you will have to reapply.

[Loquat]

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@Anonymous wrote:

Capital One is still using a Fico 3

I haven't been able to PC or increase my cl on either of my Cap1 QS1 cards. Other than the one auto increase I received back in June on my first card which will be 1 yr old first week in December, and being approved for a 2nd QS1 back in July and perfect usage/payment history on Friday, I finally decided maybe I just have to app for a new card with them and went for the QS. I was declined and just got the letter.

EQ frozen

TU few collections/co

EX few collections/co

Same on both

TU 647

EX 660

Util 1% over a CL total of $27K

The letter says that they pulled my EX score and it is 617. That is my Fico 3 score. Fico 8 is 660 and Fico Bank Card 8 675

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As others have mentioned, you can't app for a CapOne card with a report frozen and get positive results.  There is an off chance that you can get by with a 1 or 2 HP pull on co-branded products such as PlayStation/Sony/GM Card but that's not even guaranteed.  Best of luck if you try to reapply in the future...and be sure to unlock all of your reports!

[Anonymous]

Just data...I was approved for my QS in Jan with one CRA closed. At the time I already had a QS1. The applying while it was locked was a mishap on my part, but it all worked out. 

With that being said, if you opened your last Cap1 card in July, that’s why you were denied. It hasn’t been 6 months. 

[CreditCuriosity]

It really depends on whether Cap1 wants 3 or 2 HP's for a new CC.. If you profile is on the weaker side they certainly want the 3 majors and minors as well being Innovis/Sagestream,etc.. If you have a strong profile you might be able to get by with two, but nothing is guranteed and why take the risk?  Just proves it was a gamble that didn't pay off and cost two HP's as a result of it.  Unless you are rocking a 800+ score across the board I woud never suggest applying for a Cap1 card with any CRA's froozen otherwise it is a role of a dice.  YMMV as above poster mentioned.

[darrin073]

Not true at all i had all cra on ice but experian and they approved my plat cc

[Anonymous]

I've been approved for 2 Cap 1 cards with one or more CRA's frozen. The 1st card I got in Feb this year, had EX and EQ frozen and was approved. The 2nd card I got in Aug of this year, I had EQ frozen and was approved. So YMMV.