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How to Remove Fraud Alert- Capital One Quicksilver Approval Problems

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dmmartinez
Established Member

How to Remove Fraud Alert- Capital One Quicksilver Approval Problems

Hello all,

 

I applied for a Capital One Quicksilver Card, and was denied because there is an old Fraud Alert on my Equifax Credit File.

 

They informed me that if I could remove it before 30 days, they could revisit my application without having another 3 hard pulls.

 

Does anyone know the quickest way to get these off? I went to Equifax's website and it looks like they ask you to submit your request in writing along with proof of ID.

I cant imagine I'm the only one who has needed this to be removed quickly.

 

Transunion on the other hand, allowed me to call them directly and were able to authenticate me over teh phone and removed then and there.

 

Can anyone help?I dont want to have applied for Capital One and suffered the 12 point credit ding from the inquiries for nothing!

 

I appreciate you guys Smiley Happy 

 


Amex Blue Cash 3k - Chase CSP 10k - Chase Freedom 3k - Capital One Quicksilver 5k- Chase Slate 5k TU 630 EQ 660 ES 667
Message 1 of 8
7 REPLIES 7
-Wade-
Valued Contributor

Re: How to Remove Fraud Alert- Capital One Quicksilver Approval Problems


@dmmartinez wrote:

Hello all,

 

I applied for a Capital One Quicksilver Card, and was denied because there is an old Fraud Alert on my Equifax Credit File.

 

They informed me that if I could remove it before 30 days, they could revisit my application without having another 3 hard pulls.

 

Does anyone know the quickest way to get these off? I went to Equifax's website and it looks like they ask you to submit your request in writing along with proof of ID.

I cant imagine I'm the only one who has needed this to be removed quickly.

 

Transunion on the other hand, allowed me to call them directly and were able to authenticate me over teh phone and removed then and there.

 

Can anyone help?I dont want to have applied for Capital One and suffered the 12 point credit ding from the inquiries for nothing!

 

I appreciate you guys Smiley Happy 

 


You need to have a credit report # and call this # for EQ 1-800-525-6285

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 2 of 8
dmmartinez
Established Member

Re: How to Remove Fraud Alert- Capital One Quicksilver Approval Problems


Thank you- I tried that number and dont know how to get through to a representative Smiley Sad

The only options are to add a Fraud Alert , not to remove them- any ideas? I really appreciate your help!


Amex Blue Cash 3k - Chase CSP 10k - Chase Freedom 3k - Capital One Quicksilver 5k- Chase Slate 5k TU 630 EQ 660 ES 667
Message 3 of 8
-Wade-
Valued Contributor

Re: How to Remove Fraud Alert- Capital One Quicksilver Approval Problems


@dmmartinez wrote:


Thank you- I tried that number and dont know how to get through to a representative Smiley Sad

The only options are to add a Fraud Alert , not to remove them- any ideas? I really appreciate your help!


ok try these ..........1-800-203-7843 ........1-800-685-1111 ....1-866-349-5186 ....... 1-888-298-0045   ......It;s been so long i forgot which # it is

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 4 of 8
-Wade-
Valued Contributor

Re: How to Remove Fraud Alert- Capital One Quicksilver Approval Problems


@-Wade- wrote:

@dmmartinez wrote:


Thank you- I tried that number and dont know how to get through to a representative Smiley Sad

The only options are to add a Fraud Alert , not to remove them- any ideas? I really appreciate your help!


ok try these ..........1-800-203-7843 ........1-800-685-1111 ....1-866-349-5186 ....... 1-888-298-0045   ......It;s been so long i forgot which # it is


1-888-766-0008

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 5 of 8
dmmartinez
Established Member

Re: How to Remove Fraud Alert- Capital One Quicksilver Approval Problems

Thank you! Had great success with 1-877-784-2528 - sent me directly to a customer service representative who was very nice, I didnt even need to provide my Credit Report File # (but did have to answer a ton of security questions). The rep gave me a confirmation # and let me know the maximum time it would take is 48 hours, but would likely be removed by tomorrow. YAY!

 

Once again this forum has proved to be tremendously helpful!

 


Amex Blue Cash 3k - Chase CSP 10k - Chase Freedom 3k - Capital One Quicksilver 5k- Chase Slate 5k TU 630 EQ 660 ES 667
Message 6 of 8
-Wade-
Valued Contributor

Re: How to Remove Fraud Alert- Capital One Quicksilver Approval Problems


@-Wade- wrote:

@-Wade- wrote:

@dmmartinez wrote:


Thank you- I tried that number and dont know how to get through to a representative Smiley Sad

The only options are to add a Fraud Alert , not to remove them- any ideas? I really appreciate your help!


ok try these ..........1-800-203-7843 ........1-800-685-1111 ....1-866-349-5186 ....... 1-888-298-0045   ......It;s been so long i forgot which # it is


This # works also, I just called


 

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 7 of 8
-Wade-
Valued Contributor

Re: How to Remove Fraud Alert- Capital One Quicksilver Approval Problems


@dmmartinez wrote:

Thank you! Had great success with 1-877-784-2528 - sent me directly to a customer service representative who was very nice, I didnt even need to provide my Credit Report File # (but did have to answer a ton of security questions). The rep gave me a confirmation # and let me know the maximum time it would take is 48 hours, but would likely be removed by tomorrow. YAY!

 

Once again this forum has proved to be tremendously helpful!

 


Congrats Smiley Happy i put that # in my phone also .LOL

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 8 of 8
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