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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!
3/17/2014 | Experian |
3/20/2014 | Experian |
4/18/2014 | Equifax |
6/1/2014 | TU |
9/19/2014 | Experian |
10/17/2014 | Equifax |
11/1/2014 | TU |
11/17/2014 | Experian |
12/1/2014 | TU |
12/17/2014 | Equifax |
12/17/2014 | Experian |
12/19/2014 | Experian |
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?
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?!
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.