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Contributor
Dapper_Dan
Posts: 124
Registered: ‎08-13-2012
0

Capital One Hard Pull = no score change

SW hasn't updated for me since 8/20.  On that date, it reported 1 HP from Capital One.  I know that WalMart is now reporting to Experian too.  Is my score really frozen or is SW broken?

4/2012 **Paid off 60 month car loan in 60 months**
6/11/2012 500 Auto EQ (CarMax)
7/2012 **Paid off 60 month VW car loan in 32 months**
8/13/2012 584 TU myFICO
8/16/2012 577 EQ myFICO
8/18/2012 **New $500 CC from WalMart** (1st CC since 2008)
8/19/2012 **New $200 CC from Capital One** (2nd CC since 2008)
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Capital One Hard Pull = no score change

First, inq don't always lower FICO. Second, it usually takes two or three days for a CMS, incl SW to send you an email of the change. If the inq wasn't on EQ then you wouldn't get an email from SW anyway. 

 

With SW, you need to update your score notification every time your score changes in order to continue to get updates of future scorechanges. So, if you haven't done this, you should log in and update that with the most recent score they gave you.

 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Contributor
Dapper_Dan
Posts: 124
Registered: ‎08-13-2012
0

Re: Capital One Hard Pull = no score change

SW just updated 8/22:

 

WalMart TL added $0/500 TL

 

Score is still 577

 

Score was 577 on 8/20 when Cap1 did a HP and approved me for a secured card.

4/2012 **Paid off 60 month car loan in 60 months**
6/11/2012 500 Auto EQ (CarMax)
7/2012 **Paid off 60 month VW car loan in 32 months**
8/13/2012 584 TU myFICO
8/16/2012 577 EQ myFICO
8/18/2012 **New $500 CC from WalMart** (1st CC since 2008)
8/19/2012 **New $200 CC from Capital One** (2nd CC since 2008)

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