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QS VS 7-10 day msg = 5k approval!

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Anonymous
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Message 11 of 17
_NERD
Established Contributor

Re: QS VS 7-10 day msg = 5k approval!

Bumping because I have newly discovered info.

 

On the approval letter C1 sent me, I didn't notice it was a 2-sided paper with info on the pertaining to my credit score information used for the approval.  The front of the approval letter is dated May 14.  The date on the back with the credit score info is dated May 11th, presumable when the HP took place.

 

Your credit score: 661

Source: TransUnion

Date: 05/11/2016

 

My TU FICO at the time of app was 702.  I just went into the myFICO app and looked at all my different FICO score versions from May 9th, when I set up my 3B Ultimate subscription.  661 is my FICO SCORE 4 score for TU commonly used in mortgage lending. I also have a FICO BANKCARD SCORE 4 of 667.

 

Could Capital One have used my mtg score for approval? I did apply for AMEX BCE and Marvel before Capital One on the same day. Is it possible 661 was my TU BANKCARD SCORE 4 score after the two apps before the QS VS?

 

I sense a disturbance in the Force.


3B profile optimization in progress...
Message 12 of 17
Anonymous
Not applicable

Re: QS VS 7-10 day msg = 5k approval!

Yes they use that version not the Fico 8 version.
Message 13 of 17
_NERD
Established Contributor

Re: QS VS 7-10 day msg = 5k approval!

Which version?

If I had known they were going to use a version where my score was 661 I probably wouldn't have applied. I'm thinking I got lucky.

3B profile optimization in progress...
Message 14 of 17
Anonymous
Not applicable

Re: QS VS 7-10 day msg = 5k approval!


@_NERD wrote:
Which version?

If I had known they were going to use a version where my score was 661 I probably wouldn't have applied. I'm thinking I got lucky.

I'm not 100% sure, but I believe it's Fico 4, not the bankcard score... but I could be wrong.

Message 15 of 17
Anonymous
Not applicable

Re: QS VS 7-10 day msg = 5k approval!

Congrats!   Glad it turned out to be an approval!  

Message 16 of 17
RonM21
Valued Contributor

Re: QS VS 7-10 day msg = 5k approval!

Congrats on the approvals


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 17 of 17
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