Which Score/Agency Does Capital One Use?

[WhiteCollar]

Can anyone confirm if TU is the agency Cap One pulls and the type of score they use?

Thanks!!

[Brian_Earl_Spilner]

They pull all of them at the same time. The co-branded cards will typically only have 1 bureau pulled with the exception of Walmart, which is a core card and treated like the rest of their cores.

[Jnbmom]

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@WhiteCollar wrote:

Can anyone confirm if TU is the agency Cap One pulls and the type of score they use?

Thanks!!

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Cap One pulls ALL 3........................................

[AllZero]

As above. Triple whipple. 3 hard pulls for 1 card. Not sure on the scoring model, I've read they may use the older ones?

[wasCB14]

My EQ didn't unfreeze in time, so just TU/EX. Clean file and pending for 24 hours.

[WhiteCollar]

Thanks eveyone! I'm gonna hold off on getting any Cap One products. I don't want 3 hp's right now. 

[Slabenstein]

Even though you're holding off, I can share the DP that the score Cap1 disclosed to my SO w/ their app last week was an EQ score w/ a range of 334-818.

[HeavenOhio]

As mentioned, they pull all three for applications. When they cite a score, it's Equifax 04 (FICO 5) Classic, which is one of the three scores used for mortgages.

[Slabenstein]

Yeah, they got an HP to all three.  I just didn't know which score that range matched.

[IaBoy62]

I know this thread is kind of old but I just got approved for the Walmart Mastercard and they cited and experian score of 624 on a scale of 325 to 850? is this some kind of internal score that they use? all of my experience scores range from 678 to 703. any thoughts or information would be appreciated.