Lowest Capital One Approval Score Fresh out of Ch7?

[daveg38]

This is more of a curious question than anything.

So I've spent 1 inquiry. One approval (in siggy). It hit Experian, which had only 1 other inquiry in the last 14 months.

I'm wanting to apply for a QS, and know it will hit all three. My average score is 560.

I'm wondering if it would be worth taking a triple hit to see if I'm blacklisted, if I'm denied (fairly certain Capital One knows I'm d/c now) - or should I wait?

Prequal gives me nothing. Which doesn't deter me.

Advice?

[Anonymous]

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@daveg38 wrote:

This is more of a curious question than anything.

So I've spent 1 inquiry. One approval (in siggy). It hit Experian, which had only 1 other inquiry in the last 14 months.

I'm wanting to apply for a QS, and know it will hit all three. My average score is 560.

I'm wondering if it would be worth taking a triple hit to see if I'm blacklisted, if I'm denied (fairly certain Capital One knows I'm d/c now) - or should I wait?

Prequal gives me nothing. Which doesn't deter me.

Advice?

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They won't pull your credit if you're blacklisted.

[Pway]

Make sure you app for the QS1.  It does not hurt to try, they will not HP if you are blacklisted.

[daveg38]

I indeed applied for the QS1.

Got the 7-10 day message. Called in, they asked me to fax DL and SS Card. Did it.

Now we wait. The automated status line isn't a status line anymore.

[beezer32]

4 months out of Ch7 DC, my wife and I were approved for QS1 cards with 580 scores. Maybe hold off a bit? I know 20 more points is a lot but it might be worth the wait.

[beezer32]

Just seen you already app'd! Disregard my previous post Lol.

[Scupra]

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@daveg38 wrote:

I indeed applied for the QS1.

Got the 7-10 day message. Called in, they asked me to fax DL and SS Card. Did it.

Now we wait. The automated status line isn't a status line anymore.

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That is a good sign! Usually they wont make you jump through hoops for a decline Good luck

[daveg38]

@Scupra - I hope you are right.

Kohls (backed by Cap1) just approved me. So I hope that's a good sign...

[Scupra]

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@daveg38 wrote:

@Scupra - I hope you are right.

Kohls (backed by Cap1) just approved me. So I hope that's a good sign...

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For what it's worth, I've never seen verification result in a decline

[holmesnmanny]

While I'm blacklisted from Capital One I was easily able to get a Kohl's card. I don't think Cap1 has any authority over those cards.