Reply
Epic Contributor
Creditaddict
Posts: 22,064
Registered: ‎10-23-2007
0

Capital One EO Review - SP ANNOYED

I'm going to refrain from sending out nasty e-mail just yet but I had my partner put in request about 1 week before I did mine on his asking for CLI from $15k to $25k and I just received the letter today of why it wasn't increased and it shows a report used:

9/24/13

 

that's such a GE thing to do... I'm assuming the reasons given over the phone that didn't make total sense to me for my cli denial will be the same result of they used old reports but she said they pull new ones... so im hoping the letter comes soon so i can confirm... so i will take the next day or so before the letter comes time to reflect and zen my response to what a waste of time it was especially since she knew i was waiting for things to update and then they used an old report... i just know!

 

Debating on having my partner call back and raise the same issue... the scores is 36 points lower then what I just got for him from LendingClub 2 days ago!

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: Capital One EO Review - SP ANNOYED

Seems a few companies make decisions based upon the results of their routine, semi-random, soft pull.

 

It's probably a better method of finding out what someone's typical credit use/utilization is versus when they've had a month or so to pretty things up before an application. It's like showing up at a girl's house before she's had the chance to put on makeup. :smileyhappy:


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Epic Contributor
Creditaddict
Posts: 22,064
Registered: ‎10-23-2007
0

Re: Capital One EO Review - SP ANNOYED


drkaje wrote:

Seems a few companies make decisions based upon the results of their routine, semi-random, soft pull.

 

It's probably a better method of finding out what someone's typical credit use/utilization is versus when they've had a month or so to pretty things up before an application. It's like showing up at a girl's house before she's had the chance to put on makeup. :smileyhappy:


listen capital one is already the pig at the party so me putting makeup on should just be what i get since I have to jump through there stupid peggy hoops!

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Established Member
cjc343
Posts: 28
Registered: ‎09-30-2013
0

Re: Capital One EO Review - SP ANNOYED

I have made... a few... CLI request with Capital One, all of them online via the request CLI link.

 

The denials I receive are always based on the previous month's report, even if they've pulled a more recent report. For example:

 

They pull on August 25th

They pull on September 20th

CLI request denied September 29th, shows August score.

They pull on October 18th

CLI request denied on October 19th, shows August score.

CLI request denied on October 20th, shows September score.

 

Established Contributor
zyzzus
Posts: 539
Registered: ‎10-22-2012
0

Re: Capital One EO Review - SP ANNOYED

May I humbly remind you capital one doesn't owe you anything and I'd imagine their executive office gets beat up all day long. Wait until they sp again and call back to explain. No need to be upset. Just a business doing business. Capital one shows love to those of us that couldn't find it elsewhere. For that I've been truly greatful to them.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Established Contributor
zyzzus
Posts: 539
Registered: ‎10-22-2012
0

Re: Capital One EO Review - SP ANNOYED

I just realized I sounded like an ass...

I know these things are frustrating.

Cheers.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Valued Contributor
FinStar
Posts: 6,845
Registered: ‎10-21-2012
0

Re: Capital One EO Review - SP ANNOYED


zyzzus wrote:
I just realized I sounded like an ass...

I know these things are frustrating.

Cheers.

Actually, that 1st reply seemed adequate... At least I didn't see anything out of context ... and makes perfect sense :smileywink:

Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Capital One EO Review - SP ANNOYED


FinStar wrote:

zyzzus wrote:
I just realized I sounded like an ass...

I know these things are frustrating.

Cheers.

Actually, that 1st reply seemed adequate... At least I didn't see anything out of context ... and makes perfect sense :smileywink:


+1 also didn't see anything wrong with it as well ...I think CAP1 has played a major role in millions of rebuilding credit profiles when others wouldn't touch 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

Re: Capital One EO Review - SP ANNOYED

Every now and then we all get frustrated. There is nothing wrong with coming here to vent. Likewise, venting may lead to others with a dissenting opinion. As long as both are done within the standards/guidelines of the board- it's all good.
Epic Contributor
Creditaddict
Posts: 22,064
Registered: ‎10-23-2007
0

Re: Capital One EO Review - SP ANNOYED

True to all statements.

I do vent a little harsh and unedited before mulling over and thinking about it (actually I'm very edited! Lol)
I know better than anyone all things capital one has done for me and have to say love the Quicksilver and my Spark business and may have came across a little more entitled then I would have liked :smileytongue:
Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}