@800goal800Let me rephrase. I have a cap one card and applied for a CLI. On their denial letter, it gives the reasons and then a score. So is this a FICO score and if so, is it a different version than 8 - I’m assuming yes since it is not the same as what I see on credit check total.
It should say somewhere on the page where the score is presented. Perhaps at the bottom in fine print it should tell you the scoring model and bureau data used. If you do not see this information, I'd simply hit up CO chat or call them and ask. It's definitely not going to be a VS 3.0 score, more than likely going to be a FICO score. Some creditors (I'm not sure if CO is one, but Chase is, for example) use their own internal scoring model. The score you are seeing could very well be a FICO 08 score, just generated at a different time than your CCT score(s) were. Creditors don't always take a new pull at the time of a CLI request and often go off of their last one on file. Perhaps their last one on file was from February (for example) and you just pulled your CCT scores a week ago in March. Hopefully this helps!
