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Denied Kohls CLI and Capital One Platinum | BS Reason

coerciondotde
Regular Contributor

Denied Kohls CLI and Capital One Platinum | BS Reason

It's been six months since I've had my Kohls card, did a CLI request and was denied. I thought that was weird. Then decided to go for a Capital One Platinum card even if it starts with a low limit--but denied. Both reasons were BS (only thing listed was too many inquires).

What really grinds my gears is the credit score they have listed was 100 points lower than my actual FICO8 score and score on Experian (both are pretty dead on at 684). 

Has anyone else run into weird stuff like this from Capital One? I've heard about them only using quarterly reports, but wow--I haven't been at a 587 in a LONG time. 

Saks 5th $500 / Kohls $700 / CreditOne $600 & CreditOne $800 / CapOne Walmart MC $550 / Dell Charge Card $3,500 / CU Auto Loan 16K @ 5.5%
Message 1 of 4
3 REPLIES 3
Remedios
Moderator

Re: Denied Kohls CLI and Capital One Platinum | BS Reason


@coerciondotde wrote:

It's been six months since I've had my Kohls card, did a CLI request and was denied. I thought that was weird. Then decided to go for a Capital One Platinum card even if it starts with a low limit--but denied. Both reasons were BS (only thing listed was too many inquires).

What really grinds my gears is the credit score they have listed was 100 points lower than my actual FICO8 score and score on Experian (both are pretty dead on at 684). 

Has anyone else run into weird stuff like this from Capital One? I've heard about them only using quarterly reports, but wow--I haven't been at a 587 in a LONG time. 


Capital One uses older scoring model,  EQ 5, not Fico 8 classic. That's where the difference in scores is coming from.

 

 

Message 2 of 4
Jnbmom
Community Leader
Senior Contributor

Re: Denied Kohls CLI and Capital One Platinum | BS Reason


@Remedios wrote:

@coerciondotde wrote:

It's been six months since I've had my Kohls card, did a CLI request and was denied. I thought that was weird. Then decided to go for a Capital One Platinum card even if it starts with a low limit--but denied. Both reasons were BS (only thing listed was too many inquires).

What really grinds my gears is the credit score they have listed was 100 points lower than my actual FICO8 score and score on Experian (both are pretty dead on at 684). 

Has anyone else run into weird stuff like this from Capital One? I've heard about them only using quarterly reports, but wow--I haven't been at a 587 in a LONG time. 


Capital One uses older scoring model,  EQ 5, not Fico 8 classic. That's where the difference in scores is coming from.

 

 


How many inquires do you have? Cap one pulls all 3 for credit apps

EXP 758 TU 783 EQ 729
Message 3 of 4
Meanmchine
Super Contributor

Re: Denied Kohls CLI and Capital One Platinum | BS Reason

Sorry for your misfortune


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 4 of 4
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