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I would recon that Cap 1 denial. If it was a fraud alert denial, proving you are the one who submitted it should suffice for a decision. Have you taken the hard pull yet? If so, there is nothing to lose.
The personal loan will add to your variety of accounts, but I would be hesitant to take out all that you were approved for. Did you take out the PSL for a reason or just to see if it would work? Some lenders may see this as risky if you make the utilization too high on that loan. Since you were approved for the PSL, why not try for the credit card if it is of use.
Start to think about which cards will be useful. You don't want too apply for a bunch of cards just to get a bunch of accounts Otherwise, you will get to a point in your rebuilding where you will wonder why you obtained that card in the first place. Plan now so you are set for your rebuilding.
Just wanted to let ou know im going through the same thing with cap one, I called eq and got my fraud alert removed and cap 1 will recon your app withoiut a new hard hit after you get that removed. I should know in a couple days if I will be recieving my card, ill keep you updated. check the forums for the ca numbers, usually you can call and get it removed on the phone as long as you answer all secuity questions right.
Thanks for that info... My CU dealt with the fraud alert by asking me some questions over the phone. The rep was also able to tell me that Equifax was the issue. I'll contact Equifax, and check back for updates. Thanks!!