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Established Member
Posts: 23
Registered: ‎01-13-2012
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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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Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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Re: Capital One

Usually from all three!

Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: Capital One


bs6054 wrote:

Usually from all three!


This.

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12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor
Posts: 643
Registered: ‎09-18-2011
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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
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Frequent Contributor
Posts: 283
Registered: ‎02-05-2012
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Re: Capital One

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

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Established Contributor
Posts: 643
Registered: ‎09-18-2011
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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

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Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: Capital One

Yeah, unfortunately it usually costs 3 HPs.

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Current Score: EQ 816 EX 780 TU 823
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Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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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
Posts: 792
Registered: ‎08-30-2011
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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

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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: Capital One

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

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