topic Re: Capital One Inquiry in Credit Card Applications

Capital One Inquiry

klrmac — Fri, 28 Nov 2014 18:37:12 GMT

I applied and was approved for a $300 platinum card with them, however, their website said I was eligible for the quicksilver, so right after my approval I applied for the quicksilver and was denied.

I recently discovered both were HP on TU.

Is it possible for me to call them and request at least one of the inquiries to be removed?

If so what is a good number to contact them by? I'm assuming CS cannot assist with removals.

Re: Capital One Inquiry

coldnmn — Fri, 28 Nov 2014 18:44:51 GMT

Chances are they pulled double from all three credit bureaus. Your chances are slim to none to get any removed. You can always try one of the back door numbers. Good Luck!

http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/m-p/408066

Re: Capital One Inquiry

klrmac — Fri, 28 Nov 2014 18:46:51 GMT

Thank you for the information. I greatly appreciate it.

Re: Capital One Inquiry

Anonymous — Sat, 29 Nov 2014 04:59:42 GMT

That is indeed one of the downsides of a Capital One app...they pull all over the place.

When I first started, I didn't know what I was doing. I kept appling for their different cards to try to get an approval

I had 8 or 9 inquiries from them spread over the 3 credit companies.

Re: Capital One Inquiry

Anonymous — Sat, 29 Nov 2014 05:03:19 GMT

@klrmac wrote:
I applied and was approved for a $300 platinum card with them, however, their website said I was eligible for the quicksilver, so right after my approval I applied for the quicksilver and was denied.

I recently discovered both were HP on TU.

Is it possible for me to call them and request at least one of the inquiries to be removed?

If so what is a good number to contact them by? I'm assuming CS cannot assist with removals.

Not likely.

Re: Capital One Inquiry

uswala — Sat, 29 Nov 2014 05:05:23 GMT

@Anonymous wrote:
That is indeed one of the downsides of a Capital One app...they pull all over the place.

When I first started, I didn't know what I was doing. I kept appling for their different cards to try to get an approval

I had 8 or 9 inquiries from them spread over the 3 credit companies.

Yup they are bad with inquiries. My DW has a lot from them from her app and CLI requests earlier. Thankfully their CLIs are SP now.