topic Re: Captial One 2 HP's?! in Credit Cards

Captial One 2 HP's?!

signaturecardmember — Wed, 23 Jul 2014 20:33:39 GMT

As the title says after my recon with the EO on my initial denial i was given a $3k CL, ok great. Just took advantage of a free full TU report and noticed I have Capital One listed for both 6/3 and 7/3, they never asked or requested to HP me or SP me again....should I just let it be or ask for one ot be taken off?

Re: Captial One 2 HP's?!

Anonymous — Wed, 23 Jul 2014 20:36:31 GMT

@signaturecardmember wrote:
As the title says after my recon with the EO on my initial denial i was given a $3k CL, ok great. Just took advantage of a free full TU report and noticed I have Capital One listed for both 6/3 and 7/3, they never asked or requested to HP me or SP me again....should I just let it be or ask for one ot be taken off?

Unfortunately, its extremely difficult to have a HP removed from a report short of it actually being fraud. In this case i would just take the HP and enjoy the CLi!

Re: Captial One 2 HP's?!

Chaselover — Wed, 23 Jul 2014 21:32:41 GMT

No, they cannot simply add one HP without your complete authorization.

You had approved for the credit check when you applied for the credit card, but you have not approved for the second HP, for the recon. I think you should write to them, it doesnt hurt to get a reply from them.

Re: Captial One 2 HP's?!

09Lexie — Wed, 23 Jul 2014 23:06:40 GMT

@Chaselover wrote:
No, they cannot simply add one HP without your complete authorization.

You had approved for the credit check when you applied for the credit card, but you have not approved for the second HP, for the recon. I think you should write to them, it doesnt hurt to get a reply from them.

Once OP requested a recon, that gave them the authorization to pull his credit. You might want to check all your bureaus because Cap1 pulls all 3 for each application (except GM Card)

Re: Captial One 2 HP's?!

B335is — Thu, 24 Jul 2014 02:24:50 GMT

Recon requests are almost always HP. I would always expect HP and if you get SP consider yourself lucky!

Re: Captial One 2 HP's?!

Chaselover — Thu, 24 Jul 2014 03:11:56 GMT

But when u recon, they do ask a permission to go ahead with another credit check,, anyway thats what I feel.

Re: Captial One 2 HP's?!

SunriseEarth — Fri, 25 Jul 2014 00:30:34 GMT

@signaturecardmember wrote:
As the title says after my recon with the EO on my initial denial i was given a $3k CL, ok great. Just took advantage of a free full TU report and noticed I have Capital One listed for both 6/3 and 7/3, they never asked or requested to HP me or SP me again....should I just let it be or ask for one ot be taken off?

Cap One often does recons with SP, but that's certainly not a guarantee for any lender. My Macy's recon resulted in another HP the very next day. It's just the nature of the beast.