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I've had on-time payments for 12 months and my credit score is finally above 600, so I decided to give a credit line increase a shot with Capital One. After two days, I was notified that my line could not be increased because my score was too low, but the score they show is a score from March -- it has increased over 100 points since then. Is it typical for them to be using a non-current score when approving line increases?
@amandak1026 wrote:I've had on-time payments for 12 months and my credit score is finally above 600, so I decided to give a credit line increase a shot with Capital One. After two days, I was notified that my line could not be increased because my score was too low, but the score they show is a score from March -- it has increased over 100 points since then. Is it typical for them to be using a non-current score when approving line increases?
Yup, they typically use one 2-3 months back in time.