@MikeyMagicCapital One is known to repalce the EX FICO 2 score with EX FICO 3 when applying for a new card. They'll pull EQ5, TU4 and and EX3. Currently there's:
EQ5 , TU4, EX2 - Mortgage scores (for now)
Bankcard and Auto versions of the above EQ5, TU4, and EX2
EX3
EQ, TU, and EX FICO 8
Bankcard and Auto versions of each FICO 8
As with FICO 8 there are the same number of variants with FICO 9 and FICO 10. With the exception of there also being a FICO 10T which uses trended data (10T does not have the bankcard and auto variants).
FICO 8 models are dominant for credit cards and auto loans, though FICO 9 models are growing in adoption and has significant usage. No one as far as I'm aware of uses FICO 10 models yet.
Also of note: FICO 5, 4, and 3 are based on the FICO 04 models (prior to FICO 8 - each CRA's customization could mean another score type number). FICO 2 scores are based on the FICO 98 models. Last but not least FICO 10T (along with VantageScore 4.0) will replace the EQ5, TU4, and EX2 scores that are currently used for mortgages.
All of this info is already in various threads but figured since we're on the topic it would be worth addressing all 40 scores. As for your FICO 5 score you can get it from here at myFICO but it's not inexpensive and unless you're applying for a mortgage in the near future I wouldn't bother. Capital One and some credit unions may use it but those tend to be outliers. Score is only one part of your overall credit profile anyways and yours will continue growing if you keep using your cards and paying in full.
@MikeyMagic wrote:
@SouthJamaica wrote:
@FicoMike0 wrote:@MikeyMagic you have to be careful comparing scores. There are three credit bureaus, transunion, experian and equifax. Among them, there are 28 different fico scores. Then there are vantage scores. If you use myficos free score, it's Equifax fico8.
As far as using old reports, I find that hard to believe, why would they? When I look at my crs, everyone is doing sps all the time.
I'm planning to request a cli from cap1. I'm going to download all three reports first. A week later, I'll do it again. I'll see if they do another sp after the request. I'll report back. I fully expect they will.
I do have a recent dp for a new app. I applied to us b on 28 March with only transunion thawed, since that's who they pull. The next day, I got an alert from credit karma that I had a hard pull on tu.
In my experience Capital One typically uses old (like 2 months old) soft pulls from EQ, and uses the EQ FICO 5 score, for CLI applications.
I'm sorry but when does Capital One uses 2 month old soft pulls from Equifax? When I applied for the Savor One after the preapproval the other day it pulled my credit reports from all 3 bureaus. So obviously no soft pull there.
Also where can I find my Equifax Fico 5 score and if you don't mind me asking, how did you find out that Cap1 uses that for CLI requests?
Thanks.
1. As I said in my post, it's for CLI's.
2. As I said in my post, it's based on my personal experience. Every CLI request I've made from them used an old EQ soft pull and the EQ FICO 5 score.
3. I don't know how to find it except for pulling an EQ report at MyFICO. But that will turn up a current score, not the score from 2 months ago.
I promise you they do.
@LendMeTheLoot wrote:
I promise you they do.
Well this is crazy because the second page you showed hasn't showed once when I have requested a CLI, both in the app AND over the phone. I get the 1st page like you with the reason(it's either been my account was too new and then after the 6 months it's I recently got an increase). Yeah a big $100 one lol.
But the second page for me is a bunch of FAQ's from Capital One with commonly asked questions. I have requested about 5 CLI's for my bucketed Platinum and now Quicksilver.
This is so weird. I called and asked a supervisor a few weeks ago why I can't see what bureau they used to determine my CLI request and she had no clue. Makes no sense.