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CapOne Credit Line Increase -- Using old score?

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amandak1026
New Contributor

CapOne Credit Line Increase -- Using old score?

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?

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gdale6
Moderator Emeritus

Re: CapOne Credit Line Increase -- Using old score?


@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.

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