Does Cap1 report to all CRA's

[jsk300]

I was wondering if Cap1 reports to all 3 CRA's.  Another FICO member indicated that they were only reporting hers to 1 of them.  I recently obtained a new CC from them and am rebuilding my credit and I need to make sure they report to EQ/EX/TU.  Thanks.

[Anonymous]

They report to all three on my wifes CC...

[Anonymous]

They report to all 3 on mine and my husband's reports.

[Jesedmotherof5]

yes, both hubby and I BUT they also Pull hard for all three even for CLI

[jsk300]

I'm not looking for any CLI's just yet since I just obtained the card, but I just wanted to verify that they report to all 3 of the CRA's.  This sounds very good.  I ran my FICO simulator and it indicated that being approved for a new CC would increase my score from 630 to the 690-720 range.  Has anyone seen that big of an increase in their scores?

[Anonymous]

This thread left me with 2 questions.

1-I have a Capital One card and called them almost a year ago for a CLI but I was told that these happen automatically and that I couldn't apply for them.

2-What is the difference between a hard pull and a soft pull? What is it? And how does that affect your score? (sorry, that was 3 in one!)

[Jesedmotherof5]

This thread left me with 2 questions.

1-I have a Capital One card and called them almost a year ago for a CLI but I was told that these happen automatically and that I couldn't apply for them.

Mine was an automatic increase at three months

2-What is the difference between a hard pull and a soft pull? What is it? And how does that affect your score? (sorry, that was 3 in one!)

A hard pull is where the company gets a full credit report stays for two years but affcts your score 2-3 points (I think ... mine seemed like more) A soft pull is I guess limited information but does not effect your score. I have a TON of these for various credit offers, ect.