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Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Capital One EO (BBRZMC)

Just a quick question for all that has been through this road.

 

Is is a HP or SP?

 

I wrote an email today and got a call back. Account is few years old and never late. They are asking me permisson to pull credit reports. I thought it would be a SP, so I said that I will call them back and let them know. Am I wrong? So it will be a HP?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
ryanbush
Posts: 1,299
Registered: ‎08-19-2012
0

Re: Capital One EO (BBRZMC)

Both the times i dealt with them it was soft, everyone eles has reported it was a soft also

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Capital One EO (BBRZMC)

Both of my increases was SP's as well. The EO confirm it was a SP too when asked if they could pull them.

Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013
0

Re: Capital One EO (BBRZMC)

They will not use the word, soft or hard, the CSR will say "it will not affect your credit"

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Capital One EO (BBRZMC)

Okay, I gave them a go. She said it didn't put an inq on the reports. However, the manual review dept might pull them.

 

So... am I missing something here? I guess I will find out tomorrow.

 

I hope it will be a SP, I really don't want to leave the garden.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Member
StriderM99
Posts: 42
Registered: ‎06-12-2012
0

Re: Capital One EO (BBRZMC)


zerobacan wrote:

They will not use the word, soft or hard, the CSR will say "it will not affect your credit"


I recieved my call earlier tonight from their office... The rep I spoke with used the term "soft pull" a few times when referring to checking my credit score for the CLI I requested.

Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Capital One EO (BBRZMC)


StriderM99 wrote:

zerobacan wrote:

They will not use the word, soft or hard, the CSR will say "it will not affect your credit"


I recieved my call earlier tonight from their office... The rep I spoke with used the term "soft pull" a few times when referring to checking my credit score for the CLI I requested.


Hmm, maybe the rep that I got doesn't know about it. I hope it will be a SP..... it's Best Buy Reward Zone Mastercard.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Capital One EO (BBRZMC)


armbenderc wrote:

StriderM99 wrote:

zerobacan wrote:

They will not use the word, soft or hard, the CSR will say "it will not affect your credit"


I recieved my call earlier tonight from their office... The rep I spoke with used the term "soft pull" a few times when referring to checking my credit score for the CLI I requested.


Hmm, maybe the rep that I got doesn't know about it. I hope it will be a SP..... it's Best Buy Reward Zone Mastercard.


No update as of yet. I was informed that the latest would be Thursday.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Contributor
meesh6036
Posts: 81
Registered: ‎07-16-2011
0

Re: Capital One EO (BBRZMC)

How did this go?


Starting Score: Low 500's (2011)
Current Score:My Fico - 661
NFCU cashRewards 17.5k | NFCU GoRewards 14k |Fred Meyer Rewards Visa (USBank) 1k | Best Buy 2.8k | Walmart 1450 | Target 300 | Amazon 2.1k | CareCredit 2.6k | Macy's 1.5k | Macy's Furniture 3.5k | Lowe's 3k | Discover It 1.8k
Established Contributor
kroberts67
Posts: 830
Registered: ‎03-04-2013
0

Re: Capital One EO (BBRZMC)

I requested a CLI and they did a HP on all 3 after telling me they do soft pulls!  What the fudgecicle??!



FICO: EQ 722 | TU 723 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $13.5k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $5k.

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