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5 months ago
Thu Apr 04, 2024 11:28 pm
SoonerSoldier33
Seasoned RebelTeam Cash Back
On a Reddit post just now, someone mentioned they applied for a Cap One SavorOne, and that the score shown on their denial letter was pulled from Experian, but it did not match the FICO 8 shown on a fresh pull on the Experian app.
For funsies, I went to the Cap One pre-approval tool and entered my info, and the score they show me in the pre-approval letter matches my EX FICO 3. We all know Cap One is famous for the 3 CRA hard pull once you actually apply, but are they using EX FICO 3 for lending decisions? That would be pretty strange! Anyone have DPs on this?
For funsies, I went to the Cap One pre-approval tool and entered my info, and the score they show me in the pre-approval letter matches my EX FICO 3. We all know Cap One is famous for the 3 CRA hard pull once you actually apply, but are they using EX FICO 3 for lending decisions? That would be pretty strange! Anyone have DPs on this?
Click images to enlarge them.
FICO Metrics Junkie. Birdman's Padawan. Team Garden Party as of November 2023. Boomer Sooner!
- Tagline Team Cash Back
- Score data TU FICO 8: 641 EQ FICO 8: 616 EX FICO 8: 649
- Classic 8 Scorecard DIRTY/DELINQUENCY/RECENT
- Mortgage Scorecard DIRTY/DELINQUENCY
- AoOA 9 years 7 months
- AoORA 8 years 9 months
- Date of Last Inquiry and/or New Account Opening November 27th, 2023
- Garden Goal 24