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FYI: Cap One using FICO 3 score for Venture Apps

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Anonymous
Not applicable

Re: FYI: Cap One using FICO 3 score for Venture Apps

It makes sense as to why some are denied with no apparent reason while others aren't.  And such difference in these scores.  To tell you the truth, I could never figure out where they were getting their credit tracker score from.  Never matched any other score.

Message 31 of 59
ddemari
Super Contributor

Re: FYI: Cap One using FICO 3 score for Venture Apps

experian credit tracker from experian.com membership?

 

Ive had a membership there for a few years because they wont let me cancel by a good sales pitch and slash slash the price

 

anyways, that is a plus score, its a FAKO. its really nice they are doing fico and FAKO on their site now.

 

only worry about the new fico08 they provide now. 

Message 32 of 59
EW800
Valued Contributor

Re: FYI: Cap One using FICO 3 score for Venture Apps


@Anonymous wrote:

It makes sense as to why some are denied with no apparent reason while others aren't.  And such difference in these scores.  To tell you the truth, I could never figure out where they were getting their credit tracker score from.  Never matched any other score.


Same here.  My CapOne Credit Tracker score has shown 697 for at least the last 5 or six months straight - no change at all.  Meanwhile, all of my FICO scores have gone up 20-30 points in the last six months are in the 730 range.  Credit Tracker is worthless in my opinion.  

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 33 of 59
ddemari
Super Contributor

Re: FYI: Cap One using FICO 3 score for Venture Apps

you meant capitalone credit tracker sorry!!! 

Message 34 of 59
Anonymous
Not applicable

Re: FYI: Cap One using FICO 3 score for Venture Apps


@EW800 wrote:

@ojefferyo wrote:

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


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.   Smiley Happy

 

 


Okay, that explains why I don't have it. Other than TU, I haven't pulled fresh reports since they added the additional scores.

Message 35 of 59
ddemari
Super Contributor

Re: FYI: Cap One using FICO 3 score for Venture Apps


@Anonymous wrote:

@EW800 wrote:

@ojefferyo wrote:

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


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.   Smiley Happy

 

 


Okay, that explains why I don't have it. Other than TU, I haven't pulled fresh reports since they added the additional scores.


that makes sense. i pull a fresh report often (and I should stop spending on that lol) but i didnt see it until I bought a new 3 fico report. 

Message 36 of 59
EW800
Valued Contributor

Re: FYI: Cap One using FICO 3 score for Venture Apps

I would love to see what my FICO 9 scores are, although I know there are few if any reports of creditors using it yet that we know of.  

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 37 of 59
Anonymous
Not applicable

Re: FYI: Cap One using FICO 3 score for Venture Apps


@ddemari wrote:

@Anonymous wrote:

@EW800 wrote:

@ojefferyo wrote:

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


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.   Smiley Happy

 

 


Okay, that explains why I don't have it. Other than TU, I haven't pulled fresh reports since they added the additional scores.


that makes sense. i pull a fresh report often (and I should stop spending on that lol) but i didnt see it until I bought a new 3 fico report. 


I pull a fresh TU report often because of this weird crap that keeps happening:

 

Message 38 of 59
EW800
Valued Contributor

Re: FYI: Cap One using FICO 3 score for Venture Apps


@Anonymous wrote:

@ddemari wrote:

@Anonymous wrote:

@EW800 wrote:

@ojefferyo wrote:

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


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.   Smiley Happy

 

 


Okay, that explains why I don't have it. Other than TU, I haven't pulled fresh reports since they added the additional scores.


that makes sense. i pull a fresh report often (and I should stop spending on that lol) but i didnt see it until I bought a new 3 fico report. 


I pull a fresh TU report often because of this weird crap that keeps happening:

 


I have seen your post with this chart previously.  That is one of the most up and down FICO charts I have ever seen!  It is almost like it is pulling different data every other pull!  Smiley Happy 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 39 of 59
ddemari
Super Contributor

Re: FYI: Cap One using FICO 3 score for Venture Apps


@EW800 wrote:

@Anonymous wrote:

@ddemari wrote:

@Anonymous wrote:

@EW800 wrote:

@ojefferyo wrote:

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


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.   Smiley Happy

 

 


Okay, that explains why I don't have it. Other than TU, I haven't pulled fresh reports since they added the additional scores.


that makes sense. i pull a fresh report often (and I should stop spending on that lol) but i didnt see it until I bought a new 3 fico report. 


I pull a fresh TU report often because of this weird crap that keeps happening:

 


I have seen your post with this chart previously.  That is one of the most up and down FICO charts I have ever seen!  It is almost like it is pulling different data every other pull!  Smiley Happy 

 


omg i would be sucked into constant pullls with that situation. CONSTANT lol 

Message 40 of 59
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