Recent Cap1 Venture Approval Stats

[Imperfectfuture]

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@Aarvard wrote:

Hi guys,

Would you mind sharing some stats for your Cap1 approval? I'm trying to consolidate the the data of the approvals to make one "last" ditch effort before... *well you know what I mean*

Please share the stats if you are comfortable to

Pre-qualified: Yes/No

FICO scores across 3 bureaus:

Inquiries:

AAoA:

Current highest credit line:

CL upon approval:

Income (no need to be specific)

Thanks for sharing!

*****UPDATE*****

This is my stats for my failure

Pre-qualified: No

FICO scores across 3 bureaus: 720-740

Inquiries: TU EQ: 4, EX 3

AAoA: 7 months

Current highest credit line: $11,200

CL upon approval: $5,000 

Income (no need to be specific) mid $50,000

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Why failures?  Use EO office to get higher limit if you want.

[Jamex]

• Pre-qualified: Yes
• FICO scores across 3 bureaus: EX 698 EQ 695 TU 685
• Inquiries: EX 3 EQ 2 TU 3
• AAoA: 5.5 yrs
• Current highest credit line: 5K
• CL upon approval: 10K, 16.9% APR
• Income (no need to be specific): 76K

Also FYI, I had a few baddies showing:

• Unpaid C/O for 19k from 2010 (auto repo)
• Paid C/O for $128 from 2010
• Student loan with 5x 120-day lates (now showing 0 balance) Lates all from 2009

I was also approved for the Platinum Prestige at 5k a few minutes after the Venture. So far I have one INQ on EX and one on TU from Cap One. **Will update if more INQs show up.

Update: INQ showed up on EQ this morning. So, looks like the usual triple-pull. But I did get 2 cards, and so far it's only one triple-pull. Maybe as far as Cap One goes, that's a win? I'll update if that changes.

[Anonymous]

Pre-qualified: No
FICO scores across 3 bureaus: EQ 640 EX 665 TU 670
Inquiries: ALOT
AAoA: EX and TU: 1YR 2MTH EQ 2YR
Current highest credit line: $12,500 (NFCU)
CL upon approval: $5,000
Income (no need to be specific) mid $40,000

For me I just started rebuilding in September 2014 and even though I have $12,500 from NFCU my other bank cards are only $500, $300, & $200. So this is BIG to me and I'm okay with $5000 for now! My highest store card is $900. So I feel like I'm finally moving up in this credit world I got my secured card from Cap One in April 2014 with a $200 deposit......fast forward to October 2014 and I applied for the QS1 and was denied!! I recon'ed and then was approved for $300 (that's still currently in credit steps) and then instantly approved the Venture for $5000!!!! Now I have to really garden!!!

If it wasn't for this forum I would of never thought to apply. I don't have any travel cards and have been looking to get one!!

[Anonymous]

Pre-qualified: No

FICO scores across 3 bureaus: 725/720/721 2/7/15 MyFicos Scores but I think what Cap 1 pulled is actualy lower as on my other Cap 1 Platinum account my free credit score shows 698 

Inquiries: 4

AAoA: 3

Current highest credit line: 10K (Cap 1 Venture)

CL upon approval: 10K

Income (no need to be specific): $60K employed + 15K from side business

[asphaltcowboy]

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@Aarvard wrote:

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@Anonymous wrote:

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@Aarvard wrote:

Hi guys,

Would you mind sharing some stats for your Cap1 approval? I'm trying to consolidate the the data of the approvals to make one "last" ditch effort before... *well you know what I mean*

Please share the stats if you are comfortable to

Pre-qualified: Yes/No

FICO scores across 3 bureaus:

Inquiries:

AAoA:

Current highest credit line:

CL upon approval:

Income (no need to be specific)

Thanks for sharing! 

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@Aarvard,

I am looking forward to responses.  I have pulled up the app. input information and then exited.  Ughh... these approvals...

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I opened and closed the application for the 5th time already . Don't like the idea of triple pulls and a whopping $500 CL lol 

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I was reading the information on their T&C and qualifications, it states if approved you will receive a CL of at least 5K minimum,

just food for thought

[Aarvard]

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@jetsetsociety wrote:

Pre-qualified: No

FICO scores across 3 bureaus: 725/720/721 2/7/15 MyFicos Scores but I think what Cap 1 pulled is actualy lower as on my other Cap 1 Platinum account my free credit score shows 698 

Inquiries: 4

AAoA: 3

Current highest credit line: 10K (Cap 1 Venture)

CL upon approval: 10K

Income (no need to be specific): $60K employed + 15K from side business

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I think they use FICO 04 or some other model. The disclosure claims the score range is from 309 to 839. My TU score is 713 in the disclosure.

[bengalikejenga]

Pre-qualified: Yes

FICO scores across 3 bureaus: Ex 631   TU 698    EQ 667

Inquiries: Ex 10    TU 7       EQ 7

AAoA:  Ex 3.7 yrs       Tu  1.7yrs          EQ   1.9yrs

Current highest credit line:  $3k on Discover IT & Cap1 QS1

CL upon approval:  $10,000

Income (no need to be specific) :  $35k range

[Techsavvy]

Pre-qualified:  Yes

Scores: TU 705   EX 687   EQ 662

AAOA:  4yrs 1 Mos across all bureaus

INQ:  TU 6   EX 3    EQ 8

Highest CL:  NFCU $12,500

Income:   $47,000

Approved Venture One cl $5000 on 2/6/15  (now only pre-qualified for QS 1 and classic platinum, lol) 

Baddies:  Chp 7 d/c 5/2010

Judgment: $2100 (will delete 9/15)

Late payments 5/13 on student  loans 

[Anonymous]

Pre-qualified : Yes

Scores: F08 655-689

AAOA: 4 years

Inq: 7 on EQ 14 on EX 10 on TU

Highest Limit: $5000

Income: 50K

Approved $10,000 16.9 APR on 2-7

Various baddies all paid.

I think Cap1 is on crack. My first 5 digit card. So happy!

[Anonymous]

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@Anonymous wrote:

Pre-qualified : Yes

Scores: F08 655-689

AAOA: 4 years

Inq: 7 on EQ 14 on EX 10 on TU

Highest Limit: $5000

Income: 50K

Approved $10,000 16.9 APR on 2-7

Various baddies all paid.

I think Cap1 is on crack. My first 5 digit card. So happy!

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I think they are too?  Various baddies?  I'm not understanding how you got a 16.9% rate when others with seemingly better profiles got 20.9% as a rate?

But, overall, they are loosening the floodgates