Cap 1 cli denial but no fico score?

[Anonymous]

Why would cap 1 not give a fico score in the cli denial? Yes denial was for too low payments but I thought they had to give fico score ?

[HeavenOhio]

I think they'll follow up with more information via snail mail.

[Anonymous]

Oh ok so they send the email response within 24 hours and then they send a Snail mail response with more details?  thank you!

[JayRizzo]

The response they provided sounds more like an internal review of your payment history and it never went out to a Credit Bureau. If you've only made minimum payments 3 or more times out of the 6-month period, then it never goes on to the next validation step with the bureaus, ergo, no score.

[Aduke1122]

They do CLI based on internal reviews , they only Sp and that is even not done at the time of the request it could be 3 mths old so no they don't have to give a fico , Cap One is going thru some strange times and hardly anyone is seeing approved CLI don't worry just try again in a few mths

[UncleB]

If I'm not mistaken the score is only provided if it was used in making the credit decision to not grant the CLI.

In my own recent Capital one CLI denial, I was given the reason of too many inquiries and too low use of existing credit line.  They did tell me they based the inquiry decision on Equifax, however since my score wasn't a determining factor they didn't provide it.

[Aduke1122]

I got the same denial reason too UncB