FYI: Cap One using FICO 3 score for Venture Apps

[TheConstant]

No problem!

I'm shocked I didn't get a flat out denial with that score shown, they actually gave me the 7 - 10 day.

Looks like there's now hope for an AMEX!! LOL maybe after I garden for a year...

[Anonymous]

Since they offer cc's, auto loans & mortgages, maybe they just find it easier to use the one?  And this way they can send you more junk in the mail!

[TheConstant]

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@Anonymous wrote:

Since they offer cc's, auto loans & mortgages, maybe they just find it easier to use the one?  And this way they can send you more junk in the mail!

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They have sent me a TON of auto loan pre approvals. 

Sucks for them, I live in the heart of a major city and don't need a car... LOL

[ddemari]

Mine is the lowest of all the EX scores 

[TheConstant]

Same here.. Mine is ~55 points lower than all the others, idk about you

[ddemari]

mine is only lower by 22 points. but its interesting to know capitalone used that score. i thought fico 04 eq was there go to of the three scores/ versions. 

[EW800]

In the case of my wife and myself, Experian FICO 3 really whacks us harder than all of the other models.  My FICO 3 score is about 20-25 points lower than most of the others and my wife's is about 30-35 points lower.  

[ddemari]

I paid down a lot of cards to cut a zero balance, good utilization stats on my cr

my fico 08 raised and my debt went from good to very good, my fico 3, 2 both bankcard and mortgage scores just dropped 30 points. its a weird game for sure. EX hate mes. 

[ojefferyo]

I see the Fico 03 score. It's only under EX score. The other 2 doesn't list it. 

[EW800]

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@ojefferyo wrote:

I see the Fico 03 score. It's only under EX score. The other 2 doesn't list it. 

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Correct.  It is Experian only as far as MyFICO offering it.   My wife and I received an e-mail announcement from MyFICO about a month ago stating that this model had been added.  

It would be great if more models are added in the future.