How we estimate odds

What goes in

Only the numbers you type: your credit score (and which model it is from), your credit utilization, your recent hard inquiries, and optionally how many accounts you opened in the last 24 months and your score at each bureau. We never pull your credit report and never ask for your Social Security number or any account login.

How each card is judged

Every card has a profile in our model, built from publicly reported underwriting patterns: the score ranges approved applicants typically report, and how sensitive each issuer tends to be to utilization, recent inquiries, and new accounts. Your numbers are compared against that profile to decide whether you clear the card's basic bar, then to estimate how likely approval is. Cards you do not clear yet appear as "almost there," with the factor holding you back.

Which score we use

• Each issuer is tagged with the bureau it is commonly reported to check. We judge that issuer's cards against your score at that bureau, if you entered one.
• For issuers that commonly check all three bureaus, we use the lowest of the scores you provided, the cautious choice.
• If you did not enter a score for a bureau, we fall back to your main score.
• When you give us both a FICO Score and a VantageScore, we use FICO, since card issuers mostly underwrite on it. We never convert one model into the other.

Bureau tags come from community reports, not from issuers, and can vary by state and applicant. See the bureau lookup.

What we cannot see

Issuers weigh things no soft-check tool can know: your income and existing debts, your history with that bank, recent payment details on your report, and their own internal policies, which change over time. That is why a strong estimate is encouraging but never a guarantee, and a weak one is not a final answer.

Accuracy and calibration

Today the model is rules-based: it encodes reported patterns rather than learning from outcomes. We do not publish an accuracy percentage because we do not yet have enough real results to measure one honestly. When you tell us whether you were approved or denied, we store that outcome to test and improve our estimates. We plan to publish how well the estimates match real outcomes once there is enough data to say something meaningful.

Independence

Bravox may earn a commission when you are approved for a product through our links. That never changes your estimated odds, which cards appear, or how they are ranked. Rankings come only from your numbers and each card's profile.

Card data

Fees, rewards, and welcome offers are reviewed by hand, and each card page shows the date its details were last checked. Card terms change, so always confirm with the issuer before applying. Spot something out of date? Email hello@bravoxcredit.com.