Does capital one use an internal score

[Anonymous]

I was denied a credit card and the score they went by was 100 points less than my fico.

[Broke_Triathlete]

Yes to my understanding they use their own internal model.

[Berk]

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@Broke_Triathlete wrote:

Yes to my understanding they use their own internal model.

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All lenders use their own internal scoring system.

[RobertEG]

One major bank even patented their scoring algorithm years ago, making public its innards.