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What FICO model does CAPITAL ONE pull ??

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kdm31091
Super Contributor
‎09-13-2015 08:38 AM
‎09-13-2015 08:38 AM

Re: What FICO model does CAPITAL ONE pull ??

OP you in general seem to focus too much on a score number and nothing else. A score is just a snapshot in time, period, regardless of what model is used. Your score may be slightly lower or higher depending on the model, but a higher score on one model will not make up for a less-than-good history.

 

Your credit report and overall file carries much more weight. It's about the big picture, not just your score at one moment in time.

Message 41 of 60
Anonymous
Not applicable
‎09-13-2015 03:02 PM
‎09-13-2015 03:02 PM

Re: What FICO model does CAPITAL ONE pull ??

I wish I knew what model Capital One used.

From the time I received my first Capital one card my score on their tracker has gone DOWN  about 15 points (just denied a CLI for score too low) , while my score on Barclay and Discover has gone up.

On the score tracker for Capital one it says powered by Transunion for me, but what TU version I have no idea, my Fico 8 TU is 718, Capital one shows it as 653.

 

Message 42 of 60
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Anonymous
Not applicable
‎09-13-2015 03:03 PM
‎09-13-2015 03:03 PM

Re: What FICO model does CAPITAL ONE pull ??

Don't pay attention to the tracker. The tracker is garbage.
Message 43 of 60
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Anonymous
Not applicable
‎09-13-2015 03:12 PM
‎09-13-2015 03:12 PM

Re: What FICO model does CAPITAL ONE pull ??

@Anonymous wrote:
Don't pay attention to the tracker. The tracker is garbage.

That may be, but the letter showed the same score within 2 points (dated back to 7/27), but said "Source: Equifax Information Services", so I have no idea still...

All I do know is it is not FICO 8, and seems to hit me more for new accounts, it shows me a "D" grade there.

Message 44 of 60
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Anonymous
Not applicable
‎09-13-2015 03:53 PM
‎09-13-2015 03:53 PM

Re: What FICO model does CAPITAL ONE pull ??

I am in shock. I know I said I was going to wait but last night after a few margaritas I apped for the Venture anyway, and was approved for $10,000!!!!!!!  I almost fell off the chair.   They pulled EXP - score 644.  I am officially DONE u til January !!!!  What a WOWWWW!

Message 45 of 60
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Anonymous
Not applicable
‎09-13-2015 03:55 PM
‎09-13-2015 03:55 PM

Re: What FICO model does CAPITAL ONE pull ??

drunk apps are the best. that's where my last 5 cards came from
Message 46 of 60
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Anonymous
Not applicable
‎09-13-2015 03:57 PM
‎09-13-2015 03:57 PM

Re: What FICO model does CAPITAL ONE pull ??

Floored lol!!! 10k.  That'll make my UTIL BOOOOOOM!!!!  Someone told me to use he same pull for the QS, but I'm all set til Christmas lol

Message 47 of 60
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Anonymous
Not applicable
‎09-13-2015 04:02 PM
‎09-13-2015 04:02 PM

Re: What FICO model does CAPITAL ONE pull ??

no offense but surprised you got it with such a low score. congrats though Smiley Happy
Message 48 of 60
Anonymous
Not applicable
‎09-13-2015 04:09 PM
‎09-13-2015 04:09 PM

Re: What FICO model does CAPITAL ONE pull ??

Me too!!!! Maybe my huge payment history with them ?? Idk. I was floored. luc

Message 49 of 60
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Anonymous
Not applicable
‎09-13-2015 04:11 PM
‎09-13-2015 04:11 PM

Re: What FICO model does CAPITAL ONE pull ??

who knows lol. history with them goes a long way just like with chase
Message 50 of 60
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