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Capital One Venture Approval - with checkered past - Data Points Included

ThisMightWork41c3
New Contributor

Capital One Venture Approval - with checkered past - Data Points Included

Hello all,

Data points at bottom if you want to skip ahead.

 

Well here is my last app of the year. I applied for the Capital One Venture to take advantage of SUB for travel. The process was long and not at all straight forward (see example here ). I did eventually get a call to confirm acceptance of my docs/verification and later I received a letter dated 11/26 stating that the account was approved for $5000 (APR 24.74%).

 

The card just came today 12/10.

 

I was pleasantly surprised considering my history with Capital One. Back in 2012 I had 4 of their credit cards with limits of 500/500/500/4000 and at that time I fell so far behind in payments that the smaller accounts went to Collections and the larger acccount I made settlement arrangments with them directly. I did pay all accounts-- by end 2013--and the last of the derogatory remarks regarding Capital One dropped off all Credit reports by July of this year.

 

They seem to be a forgiving card issuer.

 

I hope I can still make the December Garden Smiley Happy , because Im done with apps for now. I keep reading on the board about AA, from banks like Synch and Chase for users opening too many accounts. I mean if they close an acccount so be it. But I like what I have and want to keep it till all inquires drop off (2020).

 

The DPs:

Double Pull

Inquiries:
EX FICO Score: 729
EQ FICO Score: 707 (Although Approval Letter says EQ 700 as of 11/14)

Last Opened Accounts - November 2018
SYNCH - Banana Republic VISA
Commenity - J Crew (store)
Commenity - William Sonoma VISA

New Accounts opened in last 7 months: 10

 

AAoA:
9yrs (Student loans, otherwise thin profile)


In the garden till May 6, 2022 07:38:06 GMT

Message 1 of 7
6 REPLIES 6
Brooklyn2018
Valued Contributor

Re: Capital One Venture Approval - with checkered past - Data Points Included

Congrats on your approval!!👍

RESPECT for taking care of your past!😉

Enjoy your new Venture and your adVENTURE in the garden.

Best of Luck!👍

😊




Goal Score: 600(within a year)**MET MY GOAL**
Goal Score: 700(by May/2021)>

Take the myFICO Fitness Challenge













Message 2 of 7
VoltronM
Senior Contributor

Re: Capital One Venture Approval - with checkered past - Data Points Included

Congrats on your approval !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 7
19eighty5
Senior Contributor

Re: Capital One Venture Approval - with checkered past - Data Points Included

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 4 of 7
AverageJoesCredit
Mega Contributor

Re: Capital One Venture Approval - with checkered past - Data Points Included

I understand Cap One prefers Checkers over ChessSmiley Wink. CongratsSmiley Happy
Message 5 of 7
FireMedic1
Super Contributor

Re: Capital One Venture Approval - with checkered past - Data Points Included

Congrats! Welcome to the Venture Family.

venture.PNG





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 6 of 7
ThisMightWork41c3
New Contributor

Re: Capital One Venture Approval - with checkered past - Data Points Included

Thanks everyone!


In the garden till May 6, 2022 07:38:06 GMT

Message 7 of 7
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