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Capital One 3 hard pulls?!?!

Regular Contributor

Capital One 3 hard pulls?!?!

I had applied for their cash rewards card, and they did 3 hard pulls! Is this standard for them??

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

28 REPLIES
Established Contributor

Re: Capital One 3 hard pulls?!?!

Yes this is standard operating practice for Cap One. 

Valued Contributor

Re: Capital One 3 hard pulls?!?!

Yup, all three bureaus for every new product. 

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor

Re: Capital One 3 hard pulls?!?!

Number 1 reason why ill never get another cap1 product. If I had found myfico before I apped for my secure card with them I wouldn't have the one I have right now. No cap1 card is worth 3 HPs


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor

Re: Capital One 3 hard pulls?!?!

That stinks..

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Valued Contributor

Re: Capital One 3 hard pulls?!?!

welcome to capital one

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Frequent Contributor

Re: Capital One 3 hard pulls?!?!


rootpooty wrote:

welcome to capital one


Is your name Peggy by any chance?  Smiley Happy 

 

In all seriousness...I wish Capital One would warn applicants about the 3 inquiries. I'm okay even ok with a 2nd pull if the application is borderline but 3 is a bit much. 

Valued Contributor

Re: Capital One 3 hard pulls?!?!

I don't really see why people hate this so much. It's not three on the same bureau, so to me it isn't that big of a deal. Many people on here seem to have negatives on some or one report instead of all of them. I reckon Capital One just wants to get all the information they can about the credit profile.

Valued Contributor

Re: Capital One 3 hard pulls?!?!


navigatethis12 wrote:

I don't really see why people hate this so much. It's not three on the same bureau, so to me it isn't that big of a deal. Many people on here seem to have negatives on some or one report instead of all of them. I reckon Capital One just wants to get all the information they can about the credit profile.


Yes, I'm surprised that more lenders don't do this, for their own protection.  Giving all the gaming advice ("which CRA does bank X pull?") it seems to make sense for banks to pull from, and report to, all.  I assume there is additional costs to do this, which Cap One thinks is worth it (perhaps because they are good at giving credit to marginal cases) and others don't.

Frequent Contributor

Re: Capital One 3 hard pulls?!?!


navigatethis12 wrote:

I don't really see why people hate this so much. It's not three on the same bureau, so to me it isn't that big of a deal. Many people on here seem to have negatives on some or one report instead of all of them. I reckon Capital One just wants to get all the information they can about the credit profile.


I agree that they want the most info. The issue is that if every bank did a 3 pull if you wanted 3 accounts that would = 9 inquiries. Technically they are only 3 on each but 3 may be enough to start auto denying if you wanted a different product. For example, 10 months ago I started with Capital One. They did a 3 pull. Since I wanted to build credit I needed to get credit. Therefore, I applied to a few other places as well (Discover and Citi). I got denied over inquiries even just for having 2. In the end a recon got me approved for the Citi...but if people don't know they can do a recon they would accept the auto denial.