@Anonymous wrote:The TU VS 3.0 score provided weekly on your Capital One account is not at all accociated with the FICO score they use for your account maintenance.
The letter said Fico score, didn't mention which one. I didn't refer to the creditwise thing.
NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($40,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($21,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , One Key Mastercard ($14,000), Citi Double Cash ($11,600), US Bank Cash Plus($10,000), Discover It Cash ($9000), Capital One Quicksilver MC ($9000), TD Cash ($8000), Bank of America. Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500 manually lowered to $500), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 778, TU 765, EX 758 FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
@stonedog23 wrote:
@Anonymous wrote:The TU VS 3.0 score provided weekly on your Capital One account is not at all accociated with the FICO score they use for your account maintenance.
The letter said Fico score, didn't mention which one. I didn't refer to the creditwise thing.
There are multiple types of fico scores, including one for bankcards. An example would be a fico auto score. You could be in the 700s for your fico8, but if you haven't had an auto loan in a while, that score could be in the 600s.
@Anonymous wrote:
@Anonymous wrote:The TU VS 3.0 score provided weekly on your Capital One account is not at all accociated with the FICO score they use for your account maintenance.
I know it is not associated Vantage Point 3.0 is not Fico 8. I have MyFico subscription to check multiple versions of score. I am just wondering if they actually go by Vantage since somebody here says Capital One system score which I assumed could be from Creditwise which is Vantage Point 3.0.
They just give you the VantageScore for free. Cap1, like many banks use a combination of fico and their own internal scoring system. While your fico may be good, if you don't score well on the internal, you can still be denied.
So I am fairly confident they are pulling EQ FICO 04 for credit line increases. They also usually updated the score once per month. I say usually because for pretty much all of april and 3/4 of May they were using a score from March for me. If you have access to pull your EQ report with all the soft inquiries you should see AR-Capital One listed, whatever is the most recent date for that will be the date they used.
I also found that around mid month in May was when they started using the report they pulled on 05/01. So best bet is to wait until mid-end month before going for a CLI.
Based on the scores I had at the time of the request when CapitalOne pulled the report and the data I catalog from myFico with the different scoring models. I happened to pull my EQ from myFico within a day or 2 of when cap one pulled it and that was the only score that matched within a point or 2.
It seems that I read here that Captial One uses Equifax FICO 5, which is an older bankcard score. But don't quote me on it; I'm relying on fuzzy memory. 
I woudn't be surprised if the score used with the CLI request came from the OP's previous account review. I'm not sure how often Capital One account reviews occur, but they're not monthly. If you call customer service, they should be able to tell you when your previous account review was and when your next one will be.
Customer service should probably be able to tell you exactly which FICO was used. But I wouldn't be surprised if they had to elevate you to a different rep for that.
I wouldn't bank on any rep being able to tell you about bucketing. I woudn't blame the rep. I think they simply don't have that information.