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Capone Soft/Hardpull question

Established Member

Re: Capone Soft/Hardpull question

Thank you! Most helpful what should I do advice by far so far!


10/10/2013 Starting Score/Current Scores: Equifax 625/625 Experian 579/580 TransUnion: 589/589 AAoA: 5.3 years, Oldest account: 9.3 Years Inquiries: EXP: 5 EQ: UNK TU: UNK Goals: 700 Club, CSP/Freedom, Entry into the AmEx family
Message 11 of 19
Established Member

Re: Capone Soft/Hardpull question

Immediate response followup: APPROVED for $500 on the QuickSilver!!!

 


10/10/2013 Starting Score/Current Scores: Equifax 625/625 Experian 579/580 TransUnion: 589/589 AAoA: 5.3 years, Oldest account: 9.3 Years Inquiries: EXP: 5 EQ: UNK TU: UNK Goals: 700 Club, CSP/Freedom, Entry into the AmEx family
Message 12 of 19
Moderator

Re: Capone Soft/Hardpull question


Powertrip wrote:

Immediate response followup: APPROVED for $500 on the QuickSilver!!!

 


Congrats!  I seriously wish I had that card available when I was starting out: it'd actually be an upgrade for me nearly two years into the process from a rewards perspective, and if I weren't trying really hard to stay clean for a mortgage sometime mid-next year, I'd pick one up.  Right now my default spending only gets 1% (well for cash back options at least).

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


Take the myFICO Fitness Challenge
Message 13 of 19
Established Member

Re: Capone Soft/Hardpull question

Gotcha!  It was really a complete accident that I saw I had a pre-qual.  I expected not to see anything until at least my first billing statement.


10/10/2013 Starting Score/Current Scores: Equifax 625/625 Experian 579/580 TransUnion: 589/589 AAoA: 5.3 years, Oldest account: 9.3 Years Inquiries: EXP: 5 EQ: UNK TU: UNK Goals: 700 Club, CSP/Freedom, Entry into the AmEx family
Message 14 of 19
Epic Contributor

Re: Capone Soft/Hardpull question

Pay those 3 tiny collections you have... they probably will take credit card, they might even settle for 50%... just pay them... unpaid stuff kills you... it's not that your score will jump because you pay it but many creditors just will not lend while you have unpaid and when they are as tiny is that... use your new Quicksilver and pay those.

then GQ your student loan lates and your credit union... i have never had luck but worth a try.

 

Message 15 of 19
Established Member

Re: Capone Soft/Hardpull question

Welp, not sure what happened... Maybe I misunderstood, thinking that dcu would do a secured card without credit check but they ended up doing a hard pull and declining me.  I'm doing no more blind apps.  I'm going to keep checking Chase for pre-qual offers but other than that I'm gardening for six months minimum.  I was kind of bummed about that one but nothing to do about it at this point.


10/10/2013 Starting Score/Current Scores: Equifax 625/625 Experian 579/580 TransUnion: 589/589 AAoA: 5.3 years, Oldest account: 9.3 Years Inquiries: EXP: 5 EQ: UNK TU: UNK Goals: 700 Club, CSP/Freedom, Entry into the AmEx family
Message 16 of 19
Frequent Contributor

Re: Capone Soft/Hardpull question

That will be a HP for sure
Message 17 of 19
Regular Contributor

Re: Capone Soft/Hardpull question

Just a note, CapOne will probably happily product change the account you just opened over the Quicksilver One MasterCard. I've had my Platinum MC for a year and called to request a product change to Quicksilver and they did it immediately. So, I definitely wouldn't waste a HP on that app.
EQ MyFICO: 719 - Discover It TU FICO: 749 - EX 728
Amex PRG: NPSL | Amex Blue Sky: 2k | Amex BCE: 10k | Amex TrueEarnings: 5k | Amex Delta Gold: 2k | Discover It: 4k | SFCU: 13k | Quicksilver: 4k | Venture: 10k | Freedom: 2k | CSP: 7.5k | Amazon Visa: 5k | Citi TYPremier: 6.3k | Best Buy: 4.5k | Macy's Amex: 6k | Nordstrom: 4k | Old Navy Visa: 4k | Target: $1.2k | Angel: 1k
Message 18 of 19
Established Member

Re: Capone Soft/Hardpull question

Just got my Platinum card in the mail!  Had it out long enough to activate it then tossed it in the sock drawer.  Will use it later for netflix or something but am waiting to start putting any routine purchases on the QuickSilver.

 

I had been under the impression after reading on this site that getting a product change to a different card was damn near impossible with Cap1 so that's why I app'd for the QS1.

 

Also, Doing it this way got me $800 credit line versus the $300 or at best $500 I would have gotten by PCing.  Thanks for the advice though!


10/10/2013 Starting Score/Current Scores: Equifax 625/625 Experian 579/580 TransUnion: 589/589 AAoA: 5.3 years, Oldest account: 9.3 Years Inquiries: EXP: 5 EQ: UNK TU: UNK Goals: 700 Club, CSP/Freedom, Entry into the AmEx family
Message 19 of 19