Capital One Different Scoring Models

[Creditaddict]

My friend applied and was instantly approved for the Sony Visa $750 and the EQ Score Disclosure was 598.

He opens new window and applied for the GMC Visa and was instantly declined and the EQ Score Disclosure was 575.

Sounds like they are using different scoring models

[Discover2016]

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@Creditaddict wrote:

My friend applied and was instantly approved for the Sony Visa $750 and the EQ Score Disclosure was 598.

He opens new window and applied for the GMC Visa and was instantly declined and the EQ Score Disclosure was 575.

Sounds like they are using different scoring models

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Maybe it was the inquiry from the Sony Visa that lowered his score? Although that would be a big drop for a single inquiry.

[Creditaddict]

Nah, not when the score is that low