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Does capital one use an internal score

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Valued Member

Does capital one use an internal score

I was denied a credit card and the score they went by was 100 points less than my fico.
Message 1 of 4
3 REPLIES 3
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Valued Contributor

Re: Does capital one use an internal score

Yes to my understanding they use their own internal model.

Personal:

Business:


Message 2 of 4
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Established Contributor

Re: Does capital one use an internal score


@Broke_Triathlete wrote:

Yes to my understanding they use their own internal model.


All lenders use their own internal scoring system.

Over $200,000 in credit across 12 cards.

FICO ranges from 791 -824 as of 07/26/2019
Message 3 of 4
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Legendary Contributor

Re: Does capital one use an internal score

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

Message 4 of 4
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