topic Re: Which Credit Report does Capital One pull? in Credit Card Applications

Which Credit Report does Capital One pull?

Anonymous — Wed, 09 Dec 2015 05:04:32 GMT

Looking to apply for both QS1 and Platinum card and wanted to know which CR they pull? experien, trans, equifax?

Re: Which Credit Report does Capital One pull?

Anonymous — Wed, 09 Dec 2015 05:07:00 GMT

All of the above.

Re: Which Credit Report does Capital One pull?

OmarGB9 — Wed, 09 Dec 2015 05:13:36 GMT

Triple pull.

Re: Which Credit Report does Capital One pull?

CreditDunce — Wed, 09 Dec 2015 05:17:11 GMT

They will pull all three CRA's. Normally, the most important score will be your EQ-04 score. However, Cap1 is also known for experimenting with other scores. On the plus side, there pre-qual site is fairly accurate. If they pre-qual you, they are most likely going to approve your application.

EDIT: if you apply for two cards, Cap1 will pull each 3x for both of the cards. However, the CRA's will probably combine the pulls into 1 per CRA. However, it is not guaranteed you will end up with only one INQ per CRA.

Re: Which Credit Report does Capital One pull?

bodyboy1 — Thu, 10 Dec 2015 06:02:09 GMT

@Anonymous wrote:
Looking to apply for both QS1 and Platinum card and wanted to know which CR they pull? experien, trans, equifax?

> ALL 3! ... please try the pre-Qual site rite before Christmas u need to remember.. it's other factors than your scores, that the bank/lender/Capital ones looks at, even though i know equifax is what they will go based on.. they use trans for credit tracker.. (go figure).. and will still pull & look at Experian ... just cause your scores are low dosen't mean they won't approve u, best of luck!