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Regular Contributor
Posts: 125
Registered: ‎08-28-2011
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cap

will cap1 approve an existing customer if they have 1 of there cra frozen or would it be a soft pull

gardening tu fico 770 eq fico 735 ex fico 698 last app 2/27 chase freedom instant approval planing on gardening until my house search begins sometime in jun or july
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Posts: 15,096
Registered: ‎12-30-2011
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Re: cap


jayrock24 wrote:

will cap1 approve an existing customer if they have 1 of there cra frozen or would it be a soft pull


It won't be a soft pull regardless for a new application.  As for how many inquiries get lodged, tough to tell without knowing their loan origination system at an incredibly technical level, but I'd be betting on a HP on both non-frozen reports regardless.

 

Not certain how C1 treats frozen reports from an approval standpoint.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 717, TU 8 732, EX 8 740 (11/01/16)
Goal Score: 700 on EQ 04 (01/01/17)


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Established Contributor
Posts: 955
Registered: ‎02-02-2013
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Re: cap

[ Edited ]

Its a safe bet they will tell you to unfreeze or provide them the code if what you are asking requires a hp.

 

On a SP, I don't really know as I have never encountered that particular twist.


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Contributor
Posts: 803
Registered: ‎05-16-2012
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Re: cap

I will tell you that when I applied for Kohls (Cap One) last year, I only had one credit report that was not frozen(TU) and I was instantly approved. However, I have no way of knowing if they would have only pulled that one report, had my others not been frozen.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
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Regular Contributor
Posts: 125
Registered: ‎08-28-2011
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Re: cap

thanks ffor the info i appreciate it

gardening tu fico 770 eq fico 735 ex fico 698 last app 2/27 chase freedom instant approval planing on gardening until my house search begins sometime in jun or july

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