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Wife applied for Venture yesterday - instant approval for 15K
scores are 685/703/660 - Fico 8's
she had gotten a Venture1 6 months ago, and got a pre-qualify offer for the Venture exactly 181 days from opening the V1 account
This is her highest CL to date
I also got an approval for Walmart card - instant 1,200 starting limit - my scores are all in the upper 600's
I also have a V1 , and I will apply for Venture when 6 months have passed form opening that acct (coming up end of month)
CAP 1 uses Vantage don't they? my score is similar with yours. I have CAP 1 QS with mere $1,100 limit since June, hopefully get a pre-q this December too
Congrats to you and your wife!
@Anonymous wrote:CAP 1 uses Vantage don't they? my score is similar with yours. I have CAP 1 QS with mere $1,100 limit since June, hopefully get a pre-q this December too
Congrats to you and your wife!
Capital One does NOT use Vantage Scores. They pull all three bureau's.
@Anonymous wrote:
@Anonymous wrote:CAP 1 uses Vantage don't they? my score is similar with yours. I have CAP 1 QS with mere $1,100 limit since June, hopefully get a pre-q this December too
Congrats to you and your wife!
Capital One does NOT use Vantage Scores. They pull all three bureau's.
+1, instead they use your mortgage scores (2, 4 and 5 scores) for the Venture and NOT your Fico 8 scores. All 3 bureaus
I know they pull 3 bureaus - but I didnt think they use FICO 8 scores... so I asked if it was Vantage since from Cap 1 APP that's what they pull with Creditwise.
@Anonymous wrote:
@Anonymous wrote:CAP 1 uses Vantage don't they? my score is similar with yours. I have CAP 1 QS with mere $1,100 limit since June, hopefully get a pre-q this December too
Congrats to you and your wife!
Capital One does NOT use Vantage Scores. They pull all three bureau's.
@Anonymous wrote:I know they pull 3 bureaus - but I didnt think they use FICO 8 scores... so I asked if it was Vantage since from Cap 1 APP that's what they pull with Creditwise.
@Anonymous wrote:
@Anonymous wrote:CAP 1 uses Vantage don't they? my score is similar with yours. I have CAP 1 QS with mere $1,100 limit since June, hopefully get a pre-q this December too
Congrats to you and your wife!
Capital One does NOT use Vantage Scores. They pull all three bureau's.
You are correct, creditwise is the Transunion Vantage 3 Score, but they DO NOT use it to determine approvals or creditworthiness.
@gsully00 wrote:
@Anonymous wrote:
@Anonymous wrote:CAP 1 uses Vantage don't they? my score is similar with yours. I have CAP 1 QS with mere $1,100 limit since June, hopefully get a pre-q this December too
Congrats to you and your wife!
Capital One does NOT use Vantage Scores. They pull all three bureau's.
+1, instead they use your mortgage scores (2, 4 and 5 scores) for the Venture and NOT your Fico 8 scores. All 3 bureaus
yup, it was my understanding they pulled the Mortgage ones -- good for me when I apply ; my mortgage scores are 20-60 points higher than Fico 8
@BIGSTARXXX wrote:
@gsully00 wrote:
@Anonymous wrote:
@Anonymous wrote:CAP 1 uses Vantage don't they? my score is similar with yours. I have CAP 1 QS with mere $1,100 limit since June, hopefully get a pre-q this December too
Congrats to you and your wife!
Capital One does NOT use Vantage Scores. They pull all three bureau's.
+1, instead they use your mortgage scores (2, 4 and 5 scores) for the Venture and NOT your Fico 8 scores. All 3 bureaus
yup, it was my understanding they pulled the Mortgage ones -- good for me when I apply ; my mortgage scores are 20-60 points higher than Fico 8
Congrats, really nice SL, enjoy it.
Can you please share your mortgage scores at the time of applying?.
Thanks in advance.