Capital one Venture... FICO score!

[Anonymous]

Hello, wanted to ask what FICO score model does Capital One uses if I apply for the Capital one Venture card? I have the capital one QS1 and my TU credit tracker score is 668 and totally different from my FICO score 8 (EQ=695, TU=694, EX=695). I did try the prequal online but it says cannot find any cards for me . What are my chances if I apply for the Capital Venture since I didn't have any prequal on thier site? Does Capital one uses the FICO score 8 for CC applications? Are they inquiry sensitive? Thank you.

[Anonymous]

Cap 1 will pull all 3. Their pre-qual site appears to be pretty sound.

I imagine there are some that have been approved w/o pre-qual but is it worth the 3 pull to find out?

May be best to wait until you get some love on their site, imo.

[degs138]

You should get a card from cap one with those scores, unless you have recent late payments, a CO or very very thin file.

[Loquat]

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@Anonymous wrote:

Cap 1 will pull all 3. Their pre-qual site appears to be pretty sound.

I imagine there are some that have been approved w/o pre-qual but is it worth the 3 pull to find out?

May be best to wait until you get some love on their site, imo.

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I received both Venture One cards as well as my Venture without the prequal...it kept telling me it couldn't find anything so I jus took a chance and ti worked out.  I app'd for both V1's back to back and a few months later the regular Venture.  And at the time my scores were a bit lower than they are now.   

[Anonymous]

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@Anonymous wrote:

Cap 1 will pull all 3. Their pre-qual site appears to be pretty sound.

I imagine there are some that have been approved w/o pre-qual but is it worth the 3 pull to find out?

May be best to wait until you get some love on their site, imo.

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Thank you. Do you know if Cap 1 uses FICO scores 8? or their internal FICO scores?

[Anonymous]

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@degs138 wrote:
You should get a card from cap one with those scores, unless you have recent late payments, a CO or very very thin file.

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Thank you. I do have 2 late payments though. 1 from my Cap One and 1 from DIscover before about 1+ year, I did have also a paid Collection about 2 years old . Are they sensitive to those deregatories?

[Anonymous]

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@Loquat wrote:

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@Anonymous wrote:

Cap 1 will pull all 3. Their pre-qual site appears to be pretty sound.

I imagine there are some that have been approved w/o pre-qual but is it worth the 3 pull to find out?

May be best to wait until you get some love on their site, imo.

---

I received both Venture One cards as well as my Venture without the prequal...it kept telling me it couldn't find anything so I jus took a chance and ti worked out.  I app'd for both V1's back to back and a few months later the regular Venture.  And at the time my scores were a bit lower than they are now.   

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Thanks for sharing. Congrats on those aprorval! ... How many inquiries or new accounts at the time of your App with the Venture cards? do you have some late payments or collection on your Credit file when you app? What were your FICO 8 scores when you app? Thank you.

[Anonymous]

I believe that  when I applied for both the Venture One and QS at the time they used FICO 5 EQ Mortgage Enhanced score, FICO 4 TU, and FICO 3 EX because in my QS denial letter they cited scores consistent with those models, and I think I remember seeing something about those models on the forum.

[Anonymous]

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@Anonymous wrote:

I believe that  when I applied for both the Venture One and QS at the time they used FICO 5 EQ Mortgage Enhanced score, FICO 4 TU, and FICO 3 EX because in my QS denial letter they cited scores consistent with those models, and I think I remember seeing something about those models on the forum.

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Oh ok. Thank you for the information. I'll check my scores with those models.

[Anonymous]

Sure.  Good luck.  Let us know if you get approved.