Re: Cap One pre-approval - SP or HP? - myFICO® Forums

kroberts67 · ‎07-11-2013

My boyfriend is getting pre-approval letters from Cap One. He read somewhere else that they do SP. I figured they'd do their typical 3 HP's on the application even though you got an offer. Does anyone know?

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
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Dubious · ‎07-11-2013

Yes, if you apply they will still have to do HPs. It's only the pre-approvals themselves that are soft.

kroberts67 · ‎07-11-2013

OK thanks, I thought I had read that. I told him to wait for something better. He's got a thin file so not sure where to start. I'm thinking Walmart.

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey

Dubious · ‎07-11-2013

Walmart would be a good choice so he can track his progress with the free FICOs.

kroberts67 · ‎07-11-2013

My thoughts exactly! I added him to 2 of mine (Cap & USAA), we'll see what that does for starters, if anything.

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey

OptimalCS · ‎07-11-2013

Cap one pulls all three

"Wisdom is the principal thing..."

justforting · ‎07-12-2013

@OptimalCS wrote:
Cap one pulls all three

+1

Last App: 09/17/2013 // No App Until: Mortgage (05/14?)

Cards in my wallet: AMEX BCE ($8000) // CITI AA VISA SIG ($5000) // CHASE FREEDOM ($3500) // DISCOVER IT ($1000) // CAP ONE NC ($1000) // WALMART DISCOVER ($1600)
Credit Scores: FICO TU08 (10/13): 739 // Credit Karma (10/13): 677??!! // Credit Sesame (10/13): 730
Next Goal: CSP (after mortgage probably...)

Cap One pre-approval - SP or HP?

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Cap One pre-approval - SP or HP?

Re: Cap One pre-approval - SP or HP?

Re: Cap One pre-approval - SP or HP?

Re: Cap One pre-approval - SP or HP?

Re: Cap One pre-approval - SP or HP?

Re: Cap One pre-approval - SP or HP?

Re: Cap One pre-approval - SP or HP?

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