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Capital One EO (BBRZMC)

Valued Contributor

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%
Message 1 of 19
18 REPLIES
Valued Contributor

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
Message 2 of 19
Established Contributor

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.

Message 3 of 19
Established Contributor

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.
Message 4 of 19
Valued Contributor

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%
Message 5 of 19
New Contributor

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.

Message 6 of 19
Valued Contributor

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%
Message 7 of 19
Valued Contributor

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%
Message 8 of 19
Contributor

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
Message 9 of 19
Established Contributor

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 768 | TU 813 | EX 781

Amex BCE $25000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $8000, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $7900, Citi Double Cash $3700, Care Credit $13500k.
My Credit Repair Journey
Message 10 of 19