It's funny reading all of this on RoadLoans.... I applied through HSBC and got a loan for $25k at 15.% and through CapitalOne at 13% for up to $30k. Both of those lapsed and I reapplied through CapitolOne about a month after the expiration, my credit score was higher on all 3 reports then - I then got denied through CapOne and was routed through to RoadLoans - they also denied me.
I called CapOne to question what was happening, as my scores had increased anywhere from 20-60pts for the 3 different agencies; turns out the rep took down some wrong infomation and ran my credit 3 times! And RoadLoans ran it once. So in either case, I got another blank check from CapOne (which I've let expire again) except this time after getting a rate of 11%, I called and asked for a re-evaluation, they lowered the rate to 9.9% at $32k. Just for kicks, I reapplied directly through RoadLoans and still got denied there....
Maybe they just look at the previously pulled credit report, who knows, but it wasn't worth my time to call and figure it out.....
In either case, since then I've gotten approved through GMAC. I'm going that route, much better rates!!