Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. ![]() *You could be the Victim of Identity Theft and unaware, and they are the One trying to protect both the actual person and themselves.Ĭongratz to your DW on her Application and pending Approval.Ĭopyright ©2001- Fair Isaac Corporation. When their Fraud Department calls to verify either your Identity or verify you actually applied doesn't mean you did anything wrong.Įach application is a "New" application regardless if you are an existing customer or not. Other than calling him back, I didn't receive any info about my approved application. I thanked him for speaking with me "again" and wished him a good day. He let me know that I was approved and had a credit line of $10.00.00. He asked me to be patience, and he logged in after I verified my SSN, DOB, address. I let him know I had not heard back on an approval and wanted to make sure I was going to get the card. The gentleman in the Fraud Department answered, I explained who I was and paraphrased our previous conversation. Two days later I had not heard back from Capital One, so I just dialed back the phone # which called me. He stated he just needed to verify that I had actually applied, and he would annotate it on my application. ![]() I stated that I had applied, and asked if there was anything they needed from me to further verify & prove who I was, or to get the application approved. It was the Fraud Department of Capital One calling me to verify that I had actually applied for the card. Knowing that I had applied, I answered the call. Two days later I received a phone call from a phone # I didn't recognize. When I applied on line for my Capital One QuickSilver card, everything was fine, it said it was reviewing it. FYI she opened two cards in the last year Discover IT and Amex BCE is this wierd or new with Capital One? They said they did not need Proof of income or identity. ![]() She called them back and gave them the code they verified last four of SS, dob, asked did she have an account with them she confirmed she did, and they stated they wanted to ensure it was really her as their system flagged because she applied in the middle of the night and they suspected the app was " suspicious" they said they would continue processing it and should now if it's approved in 2-3 days. Hello Fico Forum My DW who has had a quicksilver visa for about 4 years now applied for VentureOne over the weekend, it was in the middle of the night i guess she got bored and it gave her the 10-14 day message, Her scores are low-mid 700's (705-735 ish) we were concerned if she had to send POI or proof of identity, but then early this morning they called her with a message and a verification code to call.
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