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Does Capital One CLI do a hard pull?

Frequent Contributor

Does Capital One CLI do a hard pull?

Hi, I would like a definate answer as to if Capital One does a hard pull on your credit report if you ask for a CLI?  Also, I perfer to call an automated system instead of talking to a live person.  If I call the automated system, anyone know how that works and if a hard pull is done?  I absolutely cannot afford to get a hard pull done right now since I'm planning on looking for a home this year.  My credit limit has been stuck at 750 for over 1 year.  I had the card for 1 year and 6 months.  So its hard to keep my utilization ratio under 10%.  I would like a CLI to decrease the ratio so that my credit score can go up higher.  Thank you.
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2 REPLIES
Regular Contributor

Re: Does Capital One CLI do a hard pull?

I don't think they are doing customer initiated cli's at this time. 
2/15/2011 TU: 773 ~ EQ: 780
8/15/2011 TU: 766 ~ EQ: 783 ~ EX: 753 (psecu)
Message 2 of 3
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Senior Contributor

Re: Does Capital One CLI do a hard pull?


doood71 wrote:
I don't think they are doing customer initiated cli's at this time. 

+1

 

they've never pulled a HP in the past for me (when they used to accept customer initiated CLI requests.)

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
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