topic Re: Capital One Softs Routinely? in Credit Cards

Capital One Softs Routinely?

Anonymous — Sun, 24 Apr 2011 15:00:18 GMT

I have 3 Capital One Accounts , is it normal for them to soft pull often? One of them is even pulling every month

I know Softs don't affect but was intresting, oh and for those that have USAA credit monitoring there is a way to view soft pulls by going to dispute center top left then Experian Online Dispute then confirm your address and select print report and it will show you ll the expierian soft pulls

CAP ONE

	Address: PO BOX 30281 SALT LAKE CITY UT 84130 No phone number available	Date of Request: 03/18/2011, 12/20/2010, 09/20/2010, 06/18/2010

	CAPITAL ONE

	Address: PO BOX 30281 SALT LAKE CITY UT 84130 No phone number available	Date of Request: 03/17/2011, 02/17/2011, 01/17/2011, 12/17/2010, 11/17/2010, 10/17/2010, 09/17/2010, 08/17/2010, 07/16/2010, 06/17/2010

	CAP ONE NA

	Address: 15000 CAPITAL ONE DR RICHMOND VA 23238 No phone number available	Date of Request: 03/17/2011, 02/17/2011, 01/17/2011, 12/17/2010

Re: Capital One Softs Routinely?

LS2982 — Sun, 24 Apr 2011 15:09:31 GMT

@Anonymous wrote:

I have 3 Capital One Accounts , is it normal for them to soft pull often? One of them is even pulling every month

I know Softs don't affect but was intresting, oh and for those that have USAA credit monitoring there is a way to view soft pulls by going to dispute center top left then Experian Online Dispute then confirm your address and select print report and it will show you ll the expierian soft pulls

CAP ONE

	Address: PO BOX 30281 SALT LAKE CITY UT 84130 No phone number available	Date of Request: 03/18/2011, 12/20/2010, 09/20/2010, 06/18/2010

	CAPITAL ONE

	Address: PO BOX 30281 SALT LAKE CITY UT 84130 No phone number available	Date of Request: 03/17/2011, 02/17/2011, 01/17/2011, 12/17/2010, 11/17/2010, 10/17/2010, 09/17/2010, 08/17/2010, 07/16/2010, 06/17/2010

	CAP ONE NA

	Address: 15000 CAPITAL ONE DR RICHMOND VA 23238 No phone number available	Date of Request: 03/17/2011, 02/17/2011, 01/17/2011, 12/17/2010

Is the purpose of them doing this to offer you pre-approvals or to see if your applying for other credit?

Re: Capital One Softs Routinely?

DI — Sun, 24 Apr 2011 15:10:48 GMT

Yes it is normal. But I don't understand why they always soft cardmembers when it doesn't lead to CLIs.

Re: Capital One Softs Routinely?

android01 — Sun, 24 Apr 2011 15:16:38 GMT

I get a soft from Capital One just about every month, and I don't even carry one of their cards! I get LOTS of mail pre-approvals from them though.

Re: Capital One Softs Routinely?

Anonymous — Sun, 24 Apr 2011 15:19:34 GMT

Maybe because I am on credit steps

Re: Capital One Softs Routinely?

Scuba — Sun, 24 Apr 2011 16:43:17 GMT

I had 2 accounts with CAP1 and recently closed my "steps" card since it won't grow. I am thinking of getting rid of my other Cap1 accounts since it wont grow either and they jacked the interest rate. Both are / were 3 years old.

Recently I pulled my FULL CR and Cap1 has not softed me at all in the last 2 years.

Re: Capital One Softs Routinely?

LS2982 — Sun, 24 Apr 2011 17:35:12 GMT

@Scuba wrote:
I had 2 accounts with CAP1 and recently closed my "steps" card since it won't grow. I am thinking of getting rid of my other Cap1 accounts since it wont grow either and they jacked the interest rate. Both are / were 3 years old.

Recently I pulled my FULL CR and Cap1 has not softed me at all in the last 2 years.

How d oyou pull a full CR?? how long did you have the steps card and they didnt give you a CLI?

Re: Capital One Softs Routinely?

MarineVietVet — Sun, 24 Apr 2011 19:15:11 GMT

@LS2982 wrote:

How d oyou pull a full CR?? how long did you have the steps card and they didnt give you a CLI?

You can one for free from each CRA once a year at annualcreditreport.com or you can buy one directly from the CRA's.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Capital One Softs Routinely?

LS2982 — Sun, 24 Apr 2011 19:20:55 GMT

@MarineVietVet wrote:
@LS2982 wrote:

How d oyou pull a full CR?? how long did you have the steps card and they didnt give you a CLI?

You can one for free from each CRA once a year at annualcreditreport.com or you can buy one directly from the CRA's.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

I have monthly subscriptions to all 3 CB's and myFICO but i dont see anywhere where I can see soft pulls

Re: Capital One Softs Routinely?

Scuba — Sun, 24 Apr 2011 19:25:36 GMT

I disputed a wrong account on my report and when they sent me an email to view the results of their investigation, it gave me a chance to look at my entire "real" CR. Nice, but I won't do that again.

Re: Capital One Softs Routinely?

LS2982 — Sun, 24 Apr 2011 19:27:06 GMT

@Scuba wrote:
I disputed a wrong account on my report and when they sent me an email to view the results of their investigation, it gave me a chance to look at my entire "real" CR. Nice, but I won't do that again.

I got the same thing from EX but didnt notice anything about soft pulls (wasn't exactly looking for it) but i didnt see it

Re: Capital One Softs Routinely?

MarineVietVet — Sun, 24 Apr 2011 19:29:05 GMT

@LS2982 wrote:

I have monthly subscriptions to all 3 CB's and myFICO but i dont see anywhere where I can see soft pulls

Third party sites like myFICO or a 3 in 1 monitoring service won't show the soft pulls. Only direct pulls through annualcreditreport.com or the CRA's will show them.

Re: Capital One Softs Routinely?

LS2982 — Sun, 24 Apr 2011 19:38:17 GMT

@MarineVietVet wrote:
@LS2982 wrote:

I have monthly subscriptions to all 3 CB's and myFICO but i dont see anywhere where I can see soft pulls

Third party sites like myFICO or a 3 in 1 monitoring service won't show the soft pulls. Only direct pulls through annualcreditreport.com or the CRA's will show them.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

CRA's are bureaus right?? I have those. I tried annualcreditreport.com and kept getting the runaround from all bureaus needing something in writing to access it.

Re: Capital One Softs Routinely?

CS800 — Sun, 24 Apr 2011 20:21:47 GMT

I have noticed that they soft me on my card every month also. I havent received a CLI from them in 2 years and my scredit score has increased by about 60 points since I applied for the card. Called at least twice last year but no increase.

Re: Capital One Softs Routinely?

MarineVietVet — Sun, 24 Apr 2011 20:24:24 GMT

@LS2982 wrote:

CRA's are bureaus right?? I have those. I tried annualcreditreport.com and kept getting the runaround from all bureaus needing something in writing to access it.

Until you can get your full reports from some source you will unable to see who has softed you. I'm sorry you're having trouble accessing them at annualcreditreport.com. I wish I had a suggestion to help you with that.

What monthly CMS (Credit Monotoring Service) do you have?

Re: Capital One Softs Routinely?

LS2982 — Sun, 24 Apr 2011 20:44:36 GMT

@MarineVietVet wrote:
@LS2982 wrote:

CRA's are bureaus right?? I have those. I tried annualcreditreport.com and kept getting the runaround from all bureaus needing something in writing to access it.

Until you can get your full reports from some source you will unable to see who has softed you. I'm sorry you're having trouble accessing them at annualcreditreport.com. I wish I had a suggestion to help you with that.

What monthly CMS (Credit Monotoring Service) do you have?

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

I have:

TU Truecredit

EQ Complete

EX freecreditreport.com monthly sub.

myFICO Scorewatch

I think I seen my soft pulls on EQ just now. Hey would you know how much EQ and TU FICO pulls are if you have the scorewatch subscription?

Re: Capital One Softs Routinely?

vish1 — Sun, 24 Apr 2011 21:05:54 GMT

@MarineVietVet wrote:
@LS2982 wrote:

CRA's are bureaus right?? I have those. I tried annualcreditreport.com and kept getting the runaround from all bureaus needing something in writing to access it.

Until you can get your full reports from some source you will unable to see who has softed you. I'm sorry you're having trouble accessing them at annualcreditreport.com. I wish I had a suggestion to help you with that.

What monthly CMS (Credit Monotoring Service) do you have?

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Something to try for the OP:

I don't know if it works in all cases, but you may be able to call and get a hard copy of your CR if the online option is not helping. I was unable to get my Equifax online saying they cant verify my Identity. I called up the automated system and got the hard copy in about a week. They (CRAs) dun worry too much about identity when you request a hard copy as it goes to your known good mailing address, while the online report is more risky.

Re: Capital One Softs Routinely?

MarineVietVet — Sun, 24 Apr 2011 23:29:11 GMT

@LS2982 wrote:

I have:

TU Truecredit
EQ Complete
EX freecreditreport.com monthly sub.
myFICO Scorewatch

I think I seen my soft pulls on EQ just now. Hey would you know how much EQ and TU FICO pulls are if you have the scorewatch subscription?

If so then it wouldn't be the first time i was incorrect about something. I may have been under the mistaken impression that only full CR's will have the softs but I might have spoken out of turn. If I misled you I apologize.

And I don't quite understand what you are asking about concerning the EQ and TU pulls.

Re: Capital One Softs Routinely?

haulingthescoreup — Mon, 25 Apr 2011 00:00:50 GMT

EQ Complete is a full report.

OK, well, I think it is.

I have EQ CreditWatch Gold, and that's a full report.

* goes off in confusion over the multiplicity of EQ products these days *

Re: Capital One Softs Routinely?

LS2982 — Mon, 25 Apr 2011 02:39:50 GMT

@haulingthescoreup wrote:
EQ Complete is a full report.

OK, well, I think it is.

I have EQ CreditWatch Gold, and that's a full report.

* goes off in confusion over the multiplicity of EQ products these days *

I'm confused myself over EQ's products. Too many. I got too many subscriptions as it is