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Venture - Instant Approval for 15K

BIGSTARXXX
New Contributor

Venture - Instant Approval for 15K

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)

Message 1 of 8
7 REPLIES 7
mco7816
Frequent Contributor

Re: Venture - Instant Approval for 15K

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 Smiley Happy

 

Congrats to you and your wife!

FICO 8: 1/1/16 / 12/30/2016 [EQ: 518/681] [TU:522/714] [EX: 535/689] TCL: $108K INQ: 138 between the 3 NO MO CARD FOR ME

Message 2 of 8
donny10
Senior Contributor

Re: Venture - Instant Approval for 15K


@mco7816 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 Smiley Happy

 

Congrats to you and your wife!


Capital One does NOT use Vantage Scores. They pull all three bureau's.

Message 3 of 8
MauiMan85297
Established Contributor

Re: Venture - Instant Approval for 15K


@donny10 wrote:

@mco7816 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 Smiley Happy

 

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

" EX 737 EQ 747 TU 737 MMS 726"
Message 4 of 8
mco7816
Frequent Contributor

Re: Venture - Instant Approval for 15K

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. 


@donny10 wrote:

@mco7816 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 Smiley Happy

 

Congrats to you and your wife!


Capital One does NOT use Vantage Scores. They pull all three bureau's.


 

FICO 8: 1/1/16 / 12/30/2016 [EQ: 518/681] [TU:522/714] [EX: 535/689] TCL: $108K INQ: 138 between the 3 NO MO CARD FOR ME

Message 5 of 8
donny10
Senior Contributor

Re: Venture - Instant Approval for 15K


@mco7816 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. 


@donny10 wrote:

@mco7816 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 Smiley Happy

 

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.

Message 6 of 8
BIGSTARXXX
New Contributor

Re: Venture - Instant Approval for 15K


@gsully00 wrote:

@donny10 wrote:

@mco7816 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 Smiley Happy

 

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

Message 7 of 8
elegua01
Frequent Contributor

Re: Venture - Instant Approval for 15K


@BIGSTARXXX wrote:

@gsully00 wrote:

@donny10 wrote:

@mco7816 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 Smiley Happy

 

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.

Message 8 of 8
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