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Here are a few links that talk about combining Cap1 cards early:
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.
@_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.
Congrats! Glad it turned out to be an approval!
| Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |









