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Cap1 couldn't match my records to a card offer?

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NancyLou
Established Member
‎03-14-2014 07:24 AM
‎03-14-2014 07:24 AM

Cap1 couldn't match my records to a card offer?

I just did the "See if your preapproved" on the Cap1 website and the message at the top said, "We couldn't match your records to a card offer".

 

What does this even mean?  Am I totally screwed?

3/4/2014 Score: EX: 576, EQ: 614, TU: 572 All from myFICO
12/12/2014 Score: EX - 629 (CreditSesame) EQ-686 (myFICO), TU - 599- 3/28/2014 (CreditKarma)
Goal Score: 700 on all three by end of 2014

Take the myFICO Fitness Challenge

Filed Ch. 13 2/18/2009, converted to Ch. 7 11/19/1013, 341 Meeting Dec. 19, 2013, discharged Mar. 13, 2014

Following the steps in the How to: BK7 to 700 in 24 months or less

Step 1 done, signed up for Score Watch.
Step 2, approved for Credit One Card ($300 limit) on 3/14/2014.
Message 1 of 8
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DrJim
Frequent Contributor
‎03-14-2014 07:35 AM
‎03-14-2014 07:35 AM

Re: Cap1 couldn't match my records to a card offer?

No, it just means they don't already have a preapproval for you.  It can be as simple as you have "opted out" so they have not been able to get your profile in order to preapprove you.

 

Of course it doesn't mean you're home free either.  Do you know which CRA they pull in your state?


Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 2 of 8
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NancyLou
Established Member
‎03-14-2014 08:09 AM
‎03-14-2014 08:09 AM

Re: Cap1 couldn't match my records to a card offer?

Um... I don't know I've ever opted out with them so who knows?

And I "think" the bureau for Arizona is Experian, isn't it? I know it's not Transunion, but one of the two "E" bureaus.
3/4/2014 Score: EX: 576, EQ: 614, TU: 572 All from myFICO
12/12/2014 Score: EX - 629 (CreditSesame) EQ-686 (myFICO), TU - 599- 3/28/2014 (CreditKarma)
Goal Score: 700 on all three by end of 2014

Take the myFICO Fitness Challenge

Filed Ch. 13 2/18/2009, converted to Ch. 7 11/19/1013, 341 Meeting Dec. 19, 2013, discharged Mar. 13, 2014

Following the steps in the How to: BK7 to 700 in 24 months or less

Step 1 done, signed up for Score Watch.
Step 2, approved for Credit One Card ($300 limit) on 3/14/2014.
Message 3 of 8
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0REDSOX7
Valued Contributor
‎03-14-2014 08:12 AM
‎03-14-2014 08:12 AM

Re: Cap1 couldn't match my records to a card offer?

Did you burn them in your BK?

BK Discharge 2/11/14

Currently in the garden.
Message 4 of 8
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NancyLou
Established Member
‎03-14-2014 08:21 AM
‎03-14-2014 08:21 AM

Re: Cap1 couldn't match my records to a card offer?

No, I've never had a Cap1 Card in my life.
3/4/2014 Score: EX: 576, EQ: 614, TU: 572 All from myFICO
12/12/2014 Score: EX - 629 (CreditSesame) EQ-686 (myFICO), TU - 599- 3/28/2014 (CreditKarma)
Goal Score: 700 on all three by end of 2014

Take the myFICO Fitness Challenge

Filed Ch. 13 2/18/2009, converted to Ch. 7 11/19/1013, 341 Meeting Dec. 19, 2013, discharged Mar. 13, 2014

Following the steps in the How to: BK7 to 700 in 24 months or less

Step 1 done, signed up for Score Watch.
Step 2, approved for Credit One Card ($300 limit) on 3/14/2014.
Message 5 of 8
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Lechte
Frequent Contributor
‎03-30-2014 11:37 PM
‎03-30-2014 11:37 PM

Re: Cap1 couldn't match my records to a card offer?

Cap1 pulls all 3.  ....as for their preapproval check, I believe they pull TU, but I don't live in Arizona so it could be different for you.   As well, the info you put in (address, name, etc..) has to be exact to what shows on your CR report.

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Message 6 of 8
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NancyLou
Established Member
‎03-31-2014 06:54 AM
‎03-31-2014 06:54 AM

Re: Cap1 couldn't match my records to a card offer?

I think it was the my not having gotten any offer in the mail.  I applied and was approved for $1,000.  Waiting for the card to get here in the mail.

3/4/2014 Score: EX: 576, EQ: 614, TU: 572 All from myFICO
12/12/2014 Score: EX - 629 (CreditSesame) EQ-686 (myFICO), TU - 599- 3/28/2014 (CreditKarma)
Goal Score: 700 on all three by end of 2014

Take the myFICO Fitness Challenge

Filed Ch. 13 2/18/2009, converted to Ch. 7 11/19/1013, 341 Meeting Dec. 19, 2013, discharged Mar. 13, 2014

Following the steps in the How to: BK7 to 700 in 24 months or less

Step 1 done, signed up for Score Watch.
Step 2, approved for Credit One Card ($300 limit) on 3/14/2014.
Message 7 of 8
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RCFL
Frequent Contributor
‎04-08-2014 10:42 PM
‎04-08-2014 10:42 PM

Re: Cap1 couldn't match my records to a card offer?

I got the same message when I tried their pre approval page and I am OPTED in.  I applied anyway - and now I have their Quick Silver card with 3k limit.....

Message 8 of 8
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