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Capital One

Established Member

Capital One

What company does Capital One pull from? I just got approved for a $500 credit limit for their Platinum Master Card, any help will be great.

 

Thanks


Starting Score: 614
Current Score: 614
Goal Score: 700


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14 REPLIES
Valued Contributor

Re: Capital One

Usually from all three!

Valued Contributor

Re: Capital One


bs6054 wrote:

Usually from all three!


This.

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%
Established Contributor

Re: Capital One


armbenderc wrote:

bs6054 wrote:

Usually from all three!


This.


wow all HPs?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor

Re: Capital One

All 3 HP from all 3 CRA I was just approved for a 500 dollar cash rewards

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Established Contributor

Re: Capital One

That is crazy


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor

Re: Capital One

Yeah, unfortunately it usually costs 3 HPs.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Valued Contributor

Re: Capital One


tennisfan78 wrote:

That is crazy



tennisfan78 wrote:

That is crazy


For us, yes, but if you were a lender, it's the only thing that makes sense!  I assume others don't do it due to cost, but why should a bank gamble on just part of the picture, people here play games with spreading inqs among the CRAs, Capital One sees them all.

Established Contributor

Re: Capital One

If you freeze  two thirds of your CRs they will only pull the unfrozen one resulting in 1 hard pull.  May cost you $40 though freezing and unfreezing. YMMV

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Established Contributor

Re: Capital One

Yes they pull all 3. Welcome to the world of Capital 1