topic Re: Capital One Soft Inquiry...What is RTPM? in Credit Cards

Capital One Soft Inquiry...What is RTPM?

DI — Fri, 29 Jan 2010 04:30:55 GMT

PRM-CAPITAL ONE - RTPM 01/07/10

Re: Capital One Soft Inquiry...What is RTPM?

Anonymous — Fri, 29 Jan 2010 06:11:19 GMT

@DI wrote:
PRM-CAPITAL ONE - RTPM 01/07/10

Good question!

I get those every month like clockwork. Hopefully someone knows what it means.

Re: Capital One Soft Inquiry...What is RTPM?

Anonymous — Fri, 29 Jan 2010 10:04:48 GMT

@DI wrote:
PRM-CAPITAL ONE - RTPM 01/07/10

do u have or had a cap 1 cc? i know this is what collections do when they are trying to find someone, i know this happen to me with an old bill back in 2001. er solution was the CA. (directv)..they did a soft pull on 06/09.....

Re: Capital One Soft Inquiry...What is RTPM?

Anonymous — Fri, 29 Jan 2010 10:42:50 GMT

@Anonymous wrote:
@DI wrote:
PRM-CAPITAL ONE - RTPM 01/07/10

do u have or had a cap 1 cc? i know this is what collections do when they are trying to find someone, i know this happen to me with an old bill back in 2001. er solution was the CA. (directv)..they did a soft pull on 06/09.....

It can't be a collections issue. First of all, Equifax reports the pull as 'promotional." Secondly, I have never had a CapOne account.

It also isn't the CapOne auto finance people because their promotional pulls are "PRM-CAPITAL ONE AUTO FINANCE"

Re: Capital One Soft Inquiry...What is RTPM?

haulingthescoreup — Fri, 29 Jan 2010 12:08:04 GMT

DI wrote:
PRM-CAPITAL ONE - RTPM 01/07/10

"Rate Promo" offer, maybe? And you're right, the PRM- prefix means it's a soft promo inquiry, just checking your general credit profile and demos, without seeing the details.

I agree, good question. Google was no help.

Re: Capital One Soft Inquiry...What is RTPM?

DI — Fri, 29 Jan 2010 12:55:25 GMT

@Anonymous wrote:
@DI wrote:
PRM-CAPITAL ONE - RTPM 01/07/10

do u have or had a cap 1 cc? i know this is what collections do when they are trying to find someone, i know this happen to me with an old bill back in 2001. er solution was the CA. (directv)..they did a soft pull on 06/09.....

Yes, I have a 9 year old Cap One card. No, the account isn't a collection account. My credit is pristine. I searched google without finding anything. I doubt calling customer service will get me an answer.

I guess Capital One invented some type of unknown acronym. Maybe it means a long overdue CLI is nearing. Wishful thinking.

Re: Capital One Soft Inquiry...What is RTPM?

Anonymous — Fri, 29 Jan 2010 13:07:21 GMT

Just a wild guess here...

Could it possibly be related to a pre-app on the lender's website, to see which cards might be approved later with a hard pull? I'm thinking that the "RT" portion of that code may mean "Real Time", which could make sense. And it would be a promotional inquiry, just customer-initiated.

DI, did you do anything on Cap One's website earlier this month, such as check on other cards they might offer to you?

Re: Capital One Soft Inquiry...What is RTPM?

daisyduke — Fri, 29 Jan 2010 15:04:34 GMT

I have one as well Capital One Bank RTPM - On my TU credit report it states -(went in through the back door today, yes!)

"Promotional Inquiry" - companies recieved name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not recieve your full credit report. These inquiries are not seen by anyone but you and do not affect your credit score.

I'm opted out now so that happened prior to opting out...

Re: Capital One Soft Inquiry...What is RTPM?

DI — Fri, 29 Jan 2010 17:24:27 GMT

@Anonymous wrote:
Just a wild guess here...

Could it possibly be related to a pre-app on the lender's website, to see which cards might be approved later with a hard pull? I'm thinking that the "RT" portion of that code may mean "Real Time", which could make sense. And it would be a promotional inquiry, just customer-initiated.

DI, did you do anything on Cap One's website earlier this month, such as check on other cards they might offer to you?

Yes, I checked to see if I had any pre-approvals. I do that every month and never saw the RTPM. I was thinking RT means real time too.

Re: Capital One Soft Inquiry...What is RTPM?

DI — Fri, 29 Jan 2010 17:26:14 GMT

@daisyduke wrote:
I have one as well Capital One Bank RTPM - On my TU credit report it states -(went in through the back door today, yes!)

"Promotional Inquiry" - companies recieved name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not recieve your full credit report. These inquiries are not seen by anyone but you and do not affect your credit score.

I'm opted out now so that happened prior to opting out...

Thanks, I opted out from promos years ago. I haven't received any offers in the mail.

Re: Capital One Soft Inquiry...What is RTPM?

Anonymous — Sat, 30 Jan 2010 02:23:46 GMT

RTPM = Real-Time Performance Management

It's an IT package that can be used for data collection & analysis, amongst other things.

Re: Capital One Soft Inquiry...What is RTPM?

Anonymous — Sat, 30 Jan 2010 03:49:55 GMT

@DI wrote:
@Anonymous wrote:
@DI wrote:
PRM-CAPITAL ONE - RTPM 01/07/10

do u have or had a cap 1 cc? i know this is what collections do when they are trying to find someone, i know this happen to me with an old bill back in 2001. er solution was the CA. (directv)..they did a soft pull on 06/09.....
Yes, I have a 9 year old Cap One card. No, the account isn't a collection account. My credit is pristine. I searched google without finding anything. I doubt calling customer service will get me an answer.

I guess Capital One invented some type of unknown acronym. Maybe it means a long overdue CLI is nearing. Wishful thinking.

hey i not mad at cha, cli sound umm umm good ...lol

Re: Capital One Soft Inquiry...What is RTPM?

Anonymous — Sat, 30 Jan 2010 03:51:19 GMT

@Anonymous wrote:
@Anonymous wrote:
@DI wrote:
PRM-CAPITAL ONE - RTPM 01/07/10

do u have or had a cap 1 cc? i know this is what collections do when they are trying to find someone, i know this happen to me with an old bill back in 2001. er solution was the CA. (directv)..they did a soft pull on 06/09.....

It can't be a collections issue. First of all, Equifax reports the pull as 'promotional." Secondly, I have never had a CapOne account.

It also isn't the CapOne auto finance people because their promotional pulls are "PRM-CAPITAL ONE AUTO FINANCE"

sorry this was meant for DI......

Re: Capital One Soft Inquiry...What is RTPM?

Anonymous — Sun, 02 Feb 2014 10:55:28 GMT

Prefix	Prefix Description
PRM	Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit or insurance.(PRM inquiries remain for twelve months.)
AM or AR	Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors.(AM and AR inquiries remain for twelve months.)
EMPL	Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months)
PR	Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing.(PR inquiries remain for 12 months.)
Equifax or EFX	Inquiries with these prefixes indicate Equifax's activity in response to your contact with us for a copy of your credit file or a research request.
ND	Inquiries with this prefix are general inquiries that do not display to credit grantors.(ND inquiries remain for 24 months.)
ND MR	Inquiries with this prefix indicate the reissue of a mortgage credit file containing information from your Equifax credit file to another company in connection with a mortgage loan.(ND inquiries remain for 24 months.)

Re: Capital One Soft Inquiry...What is RTPM?

BarryNTexas — Sun, 02 Feb 2014 14:12:27 GMT

@DI wrote:
@Anonymous wrote:
Just a wild guess here...

Could it possibly be related to a pre-app on the lender's website, to see which cards might be approved later with a hard pull? I'm thinking that the "RT" portion of that code may mean "Real Time", which could make sense. And it would be a promotional inquiry, just customer-initiated.

DI, did you do anything on Cap One's website earlier this month, such as check on other cards they might offer to you?

Yes, I checked to see if I had any pre-approvals. I do that every month and never saw the RTPM. I was thinking RT means real time too.

I kinda have some marketing in my background and this acronym probably is "Real Time Product Management"
But that's just a guess.