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Stats for DW app:
Pre-qualified: NO (never see prequals probably because of old BK7)
FICO scores across 3 bureaus: 750 TU, 720 EQ, 720 EX (BK7 from 2005 just fell off TU)
Inquiries: in last 12 months: TU 7, EX 4, EQ 3
AAoA: haven't pulled myfico in awhile but probably about 3 years (oldest acct > 12 years)
Current highest credit line: $10k with amex and $10k at Lowes (>5 other lines over $5k)
CL upon approval: $20k at 20.9%
Income (no need to be specific): > $100k
[EDIT] Just checked MPM and looks like CapOne pulled all 3 CRs -- gardening for next 6 months until BK7 falls off all reports so don't really care.
Prequal- no
EQ 712 TU 724 EX 705
INQS- A LOT
AAOA 4-ish Years
Highest line 24.9k - AMEX
Approved- 15K
Income $150k-ish
Pre-equal: NO
Inquiries: 4
Approved: YES.
Prequal- No
EQ 647 TU 661 EX 667
INQS- EQ ? TU 5 EX 5
AAOA 3.5
Highest line 12K
Approved- 5K
Income $100ish
Current Score: EQ 699 TU 719 EX ? as of April-2016
DH approved for both the Venture and QS as follows:
Pre-qualified: Yes
FICO scores across 3 bureaus: TU 651, EQ 670, EX 681
Inquiries: TU 2, EQ 0, EX 0 (afterwards 4 TU, EQ 1, EX 1)
AAoA: 4 yrs
Current highest credit line: 1.8k (only has two small cards and an auto loan)
CL upon approval: $10k on both with 16.9% apr on both
Income (no need to be specific) $75k
Note: BK discharged in 2010
I tried the pre-qualifer for myself and nothing shows up for me. My scores are better, report is cleaner but I have two old accounts that are closed and 3 new accounts from November. I am pretty sure that is why I am not pre-qualifying.
Sooo, does anybody know what score model they are using? Bankcard 08?
Has anybody received their letters from CapOne showing the scores/pulls that were used?
My EX Bankcard 08 (723) is 12 pts higher than my EX Fico 08 model.
EQ Bankcard 08 (667) is 34 pts lower than my EQ 08 model.
TU Fico 08 is 696.
That's a 56 pt difference between EX and EQ Bankcard 08. Both reports clean. Same INQ's, same accts, etc...
I'm curious to see how the scores pulled by CapOne compare to their FICO scores from the site.
I do not know what score model they are using but I did get my T&C's yesterday and it showed my EX at like 637 which is about 50 points lower than myfico scores. I think I've read that they use 04 but don't hold me to that.
Prequal- no
EQ 685 TU 666 EX 688
INQS- 4,5,9
AAOA 2 years, with 2 new Cap1 accounts in November with just $300 limits
Highest line $3K DCU
Approved- $5k @ 20.9
Income $38K
I did not think I had a chance, especially with the 2 little Cap Ones so recently. But they seemed to be giving them out like Jay Cutler Throwing INTs, so i decided to play the Venture lottery and pray. Stunned when I got the approval. I honestly think it is wirth the triple pull the way they're giving them out right now. came out of the garden yesterday, going back into the garden today. Ironically got denied a Barclay's increase, even after calling recon. Guess I know who I'm giving the love to. Thanks Cap One! (And to whomever started this madness!) Has anyone actually got the card yet? I'm always nervous until I get card in hand and use it for the first time! Good luck everyone!
@racer-x wrote:Sooo, does anybody know what score model they are using? Bankcard 08?
Has anybody received their letters from CapOne showing the scores/pulls that were used?
My EX Bankcard 08 (723) is 12 pts higher than my EX Fico 08 model.
EQ Bankcard 08 (667) is 34 pts lower than my EQ 08 model.
TU Fico 08 is 696.
That's a 56 pt difference between EX and EQ Bankcard 08. Both reports clean. Same INQ's, same accts, etc...
I'm curious to see how the scores pulled by CapOne compare to their FICO scores from the site.
For my app they used TU 04 which has the score range from 309 to 839. Mine TU 04 according to them was 713, 17 points lower than my TU 08.