What FICO model does CAPITAL ONE pull ??

[Anonymous]

When I apped for my Quicksilver1 and PLATINUM, they pulled my EXP FICO 08 .. Scores were only 581 then.  I'm up to 641 (EXPERIAN) and climbing FAST, and want to app for Quicksilver and Venture when I hit 670-680 mark .. but I was told for Venture & VentureOne they may pull FICO 4, where my scores are considerably lower. . But for regualr QS I'm wondering who they pull?  Anyone get an approval or denial, and see which FICO they pulled on the letter?  I want to do an app spree in a couple months (Citi Cash, VentureOne and Quicksilver, Barclay Rewards MC, Chase Freedom & USAA / NFCU), but need lenders who pull FICO 08 (I know Chase did for my Freedom in July). . Any input would be great!  

Also, what scores did you have when you were APPROVED for the VentureOne or regular Quicksilver ?  :-)  Thank you!

Scores as of 11/14:   TU 556  EXP  570  EQ 544

Scores as of 07/15:  TU 584  EXP 582  EQ 566

Scores as of 9/11/15:   TU 611 (yet to update huge UTIL paydwon)*  EXP 641  EQ 580 (the lagger!!)

[Anonymous]

Just approved for Venture and QS on the 4th. scores were 660. I do have 2 QS1's with them I've had for 5 months. So that may have helped alittle. Before I applied I checked the prequalifier and seen I was preapproved. Have you tried the prequalifier? O and they pull all 3 bureaus. Good thing is that if you apply for both back to back it will only be one time. At least with me it was.

[Anonymous]

What were your limits if you don't mind me asking ? I have 2 QS1 at 3 months old, Huge payment history (5x monthly) .. Nothing in Pre Qual yet. But I wasn't on that when they approved my QS1 either ! I'm going to wait until I at least hit 650 to apply, maybe even 670. :-)

[Anonymous]

Equifax is their main bureau when it comes to qualification for credit. They also use FICO 4, So that wait may be a little longer than anticipated.

[Anonymous]

Tuolonme, they used FICO 8 for my Quicksilver 1 s. I compared the score pulled to my FICO 8 at the time and many others on here state for some they pull FICO 8, others 4. Confusing !

(Mod Cut-Advocation of such practices is taboo on myFico)

[gdale6]

A non FSR post has been removed from this thread, I caution that all posting must be done in a FSR way. Thanks for your understanding.

http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/td-p/2905196

[Anonymous]

It is best to be realistic in what you may qualify for so you aren't disappointed in the results later. Approvals aren't just about scores, but the credit history that lead to those scores.

[Anonymous]

i know they don't use fico 08 that's for sure. whatever they pulled was 30 points lower than my fico 08 scores

[Anonymous]

I apologize.

They definitely pulled my FICO 08 for my QS1 though that I know. Not sure about the other cards though. That's what I'm trying to find out

[Anonymous]

my experience was from normal QS.