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Help really...

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Anonymous
Not applicable

Help really...

On October 27 I was feeling lucky, and I applied for Capital one Cash rewards and AMEX Green Charge, got denied for both but I got my denial letter from Amex first and it said that they pulled EXperian and it was a score of 601... and now I got my denial letter from Cap1 and it said experian as well for 498! both pulls from same day... I was aware my score was in the upper 500's (i know I had no business apping  for the AMEX) but still what shoudl I do? Contact Cap1? or Experian?

Message 1 of 4
3 REPLIES 3
Shogun
Moderator Emeritus

Re: Help really...

That's a different scoring model.  Cap1 used a proprietary scoring system to calculate a score.  I think it caps at 650 or so.  Call the backdoor number and try for a recon.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
Epcot
Valued Contributor

Re: Help really...

Don't sweat it too much. As shogun mentioned they use an internal scoring system. Try a recon and just keep working on raising those scores! You'll get there.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 3 of 4
Anonymous
Not applicable

Re: Help really...

thanks guys! will recon cap1 and fill in on how that went!

Message 4 of 4
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