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capital one

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Anonymous
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capital one

which fico score does capital one venture use? 2, 4, 8, or 9? and which credit bureau? experian, equifax, or transunion? 

Message 1 of 13
12 REPLIES 12
rmduhon
Valued Contributor

Re: capital one

I don't know which version they use, but they pull all 3 bureaus.
Message 2 of 13
Anonymous
Not applicable

Re: capital one

what about citi double cash or chase freedom unlimited ?
Message 3 of 13
dragontears
Senior Contributor

Re: capital one

Chase always double pulls me (TU and EX), they also have their own internal score model
Message 4 of 13
Anonymous
Not applicable

Re: capital one

oh okay, does anybody know which banks usually use? fico or vantage ?
Message 5 of 13
dragontears
Senior Contributor

Re: capital one

I don't know of any bank that uses vantage scores
Message 6 of 13
Anonymous
Not applicable

Re: capital one


@Anonymous wrote:

which fico score does capital one venture use? 2, 4, 8, or 9? and which credit bureau? experian, equifax, or transunion? 


According to what I've read on here, they use FICO 04 and will definitely pull all three.

Message 7 of 13
Anonymous
Not applicable

Re: capital one

but only transunion has fico 04

Message 8 of 13
Anonymous
Not applicable

Re: capital one


@Anonymous wrote:

@Anonymous wrote:

which fico score does capital one venture use? 2, 4, 8, or 9? and which credit bureau? experian, equifax, or transunion? 


According to what I've read on here, they use FICO 04 and will definitely pull all three.


but the only one i see with fico 04 scores on my three reports is transunion

Message 9 of 13
sjt
Senior Contributor

Re: capital one


@Anonymous wrote:

which fico score does capital one venture use? 2, 4, 8, or 9? and which credit bureau? experian, equifax, or transunion? 


They use the older versions of FICO.

American Express: Platinum Charge, Business Platinum, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Bank of America: Alaska Air Atmos Summit Visa Infinite
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Globe WLMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818
Message 10 of 13
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