Reply
Epic Contributor
Posts: 24,845
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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Senior Contributor
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
Posts: 24,845
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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Valued Member
Posts: 41
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
Posts: 540
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
Posts: 540
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
Posts: 8,500
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
Posts: 27,115
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 

+ Chase ink =




Moderator
Posts: 27,207
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
Posts: 24,845
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- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.