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Does Cap-1 SP you constantly?

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EW800
Valued Contributor

Does Cap-1 SP you constantly?

I track SP's in a spreadsheet, just out of curiosity as to what creditors are pulling and how often.  I have noticed that Cap-1 is SP'ing me like crazy!  I am just wondering if others are experiencing this as well?  I have a perfect history with Cap-1 and PIF every month, so I am not sure why they are looking over my shoulder constantly, although it could be because I had a foreclosure and a settlement more than two years ago.  Anyone else getting a lot of SP's from them?  My Cap-1 SP's just in the last year are below.  They even pulled Experian twice in three days!  Smiley Happy  

 

 

 

3/17/2014Experian
3/20/2014Experian
4/18/2014Equifax
6/1/2014TU
9/19/2014Experian
10/17/2014Equifax
11/1/2014TU
11/17/2014Experian
12/1/2014TU
12/17/2014Equifax
12/17/2014Experian
12/19/2014Experian
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 1 of 5
4 REPLIES 4
RobertEG
Legendary Contributor

Re: Does Cap-1 SP you constantly?

How old is your account with them, and what is its current credit limit?

You may be flagged by their software to consideration of a CLI?

Message 2 of 5
EW800
Valued Contributor

Re: Does Cap-1 SP you constantly?

The account is about 12 years old or so. CL is $8400. I've PIF before the statement cuts every month for about the last 10 months. Looks like they are watching for some reason. My scores have increased pretty nicety over the last year, so I woudnt think it is something bad.
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 3 of 5
Anonymous
Not applicable

Re: Does Cap-1 SP you constantly?

I was browsing over TU and EX reports two nights ago and noticed Cap1 was getting pretty friendly with both. I assume they are just keeping an eye on me since I'm new to them and have a pretty thin file, but I'm hoping it's because they want to give me a big CLI increase next month. Wishful thinking right?!

Message 4 of 5
Anonymous
Not applicable

Re: Does Cap-1 SP you constantly?

When it comes to Cap one I try not to get in their heads. I would think it would be an exercize in tightwaddedness, to try and understand the way they think. 

Message 5 of 5
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