Capital One are such liars...

[Anonymous]

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@Brian_Earl_Spilner wrote:

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@Anonymous wrote:

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@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.

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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. 

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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.

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Thanks. That is what I like to know since every company has a different policy and management thus we cannot assume every company interpret and analyze on same set of FICO scores and nothing more.

I think they are using FICO 04 since a lot of people from this discussion confirmed it.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-Score-does-Capital-One-Use/td-p/4267154

[HeavenOhio]

It sounds like they're using the score that PenFed used to use until recently. It's not readily available to consumers.

The many flavors of FICO: A summary of FICO editions, versions, and variations

[Anonymous]

I manually request Capital One CLI up to $13000 from $6450 2 minutes ago but system maxed it up to only $8450. $2000 increased is better than nothing so I took it since it has been years I have a CLI. I will make another CLI on another account once my official MyFico reports refreshed. I don't think it would make any difference but I am just curious if the Alert increased in my fico points late yesterday which is only 4 points does reflect in the CLI or it still go by the older score before the alert.