Backdoor Number confusion

[ibmrad7]

Hi guys,

             Seeing all the success stories of Backdoor/Recon numbers, I am thinking of trying my luck as well on CAP ONE. I have one question, Do they run a Hard pull on your score?

[JM-AM]

Cap One hard pulls all 3 CRA's.

[ibmrad7]

Ouch

[Anonymous]

Have you been turned down?  Reason?

If you just need info about what's available for

your acct there is no pull.

I think they only pull 3 CRAs when you apply for acct.

We really need more info.

[ibmrad7]

Hey casinoannie97, Thanks for the response.

 Here's my situation:

 I have three cards:

 Wells Fargo Platinum: 2250 CL, 1700 Bal.

 Cap One: 500 CL, 123 Bal. (As of yesterday)

 BOA: 500 CL, 165 Bal (As of Yesterday)

 EQ FICO: 674, TU FAKO: 717, EX FAKO: 715

  I was wondering if I could request CAP ONE for a CL increase without a hard pull (If its possible)

  I have a Macys Store card as well, 200 CL, Bal. 45... Whats the process for Macys?

[Anonymous]

Cap One is one of hardest cards to get a CLI.

TRY THAT BACKDOOR # listed on this site.  They will

tell you if you are eligible for increase.  No pull but ask

them.

Plus your utilzation is too high.  See if you can get it down

before you try for increase.

What is that BOA card?  Is it starter card?

Your credit score is affected by how many accts. have balances.

If you got these balances down and limit to 2 cards with

balances youcould be in good shape for increases or better

cards.  Can  you do this?

[ibmrad7]

casinoannie97,

                                thanks for helping me out. Yes I being my two 500$ cards to 0 next week and Wells Fargo one to 50% Util. 

                                By BOA I mean Bank of America, is it BofA? lol

                                I just got AMEX Zync and Discover shows I am pre-approved for Discover More. Should I go for it? or wait a little.

[andre181]

Cap one doesn't pull for CLI's in my experience. 

[ibmrad7]

Thanks Andre. I am going to call them tomorrow, if they'll say they gonna do a hard pull.. I'll back off.

[Anonymous]

I meant what type of card.  starter?

50% isstill high utilization.

EX 782

EX 800