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Regular Contributor
jayrock24
Posts: 125
Registered: ‎08-28-2011
0

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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Revelate
Posts: 8,871
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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Established Contributor
Pilotdude
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.


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TU -746, EX - 721, EQ -745
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calihlove75
Posts: 787
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 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
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Regular Contributor
jayrock24
Posts: 125
Registered: ‎08-28-2011
0

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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