topic Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You in General Credit Topics

Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to Your Credit"

Anonymous — Mon, 07 Dec 2020 01:05:58 GMT

This is what it says on the top of their page.

See What Cards You May Qualify for with No Impact to Your Credit -

I get an alert that I have two hard pulls from Capital one.

regular cap one card and a #Capitalone #Cabelas... **bleep*

Experian says not -disputable on their page. I am calling both Experian and Capital one tomorrow morning..

anything else I should/can do to get these removed ASAP?

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Slabenstein — Mon, 07 Dec 2020 01:24:58 GMT

Did you only check the Cap1 prequal page, or did you apply for these cards as well? Prequal, which I don't believe is available for the Cabela's card, would have been an SP w/ no impact on your score and is what that language refers to. Continuing to application is an HP to each bureau for each card.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Anonymous — Mon, 07 Dec 2020 01:35:35 GMT

It sounds like OP began at a pre-qual page and then continued on with an app. That's my best guess.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

FinStar — Mon, 07 Dec 2020 01:38:19 GMT

Hmmm. That's odd. It sounds like you submitted a regular application. Capital One typically SPs one CR, not all 3 (IIRC), when using the pre-qualification tool. There have been no reported cases by any members with getting HPs by using such method.

They will pull all 3 if you decide to pursue any pre-qualified offers, though.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Anonymous — Mon, 07 Dec 2020 01:38:09 GMT

prequal page only https://www.capitalone.com/credit-cards/prequalify/

Didn't see a Cabelas card or it mentioned anywhere. Wouldn't be of any interest to me either way.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Anonymous — Mon, 07 Dec 2020 01:43:07 GMT

I'm familiar with the pre-qual page referenced above. After submitting your info on that page when it lists all of the cards you're prequalified for, did you click on one of the cards? After doing so it brings up the app for the card and it auto fills in all of the information that you already entered on the pre-qual page. If you then submitted again it would result in an app being placed. I would think you'd have realized that though, especially because it will ask for your income on that page where on the pre-qual page it does not.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Anonymous — Mon, 07 Dec 2020 01:49:06 GMT

No, it Does ask for income on the pre-qual page.

I copied and pasted it below.

Total Annual Income

/ Year

Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repaying this loan.

Monthly Rent/Mortgage

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Remedios — Mon, 07 Dec 2020 01:49:43 GMT

Did you at least get an approval?

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

FinStar — Mon, 07 Dec 2020 01:58:59 GMT

OP, it sounds like you were offered a pre-qualified offer and proceeded with the final step. I just tried it for s&g's and there were naturally no offers (pre-qualification is only for 3 of their CCs which I'm aware that I wouldn't qualify for QS1, Platinum or Secured). Therefore, there were no HPs.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Anonymous — Mon, 07 Dec 2020 01:59:41 GMT

I have received Nothing from Capital One.

I have only received two alerts from Experian notifying me of a credit file update and my scores dropping.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Anonymous — Mon, 07 Dec 2020 02:02:07 GMT

Makes no sense. Same three cards - nothing about Cabellas. Also no email about anything. Have checked junk mail also..

@FinStar wrote:
OP, it sounds like you were offered a pre-qualified offer and proceeded with the final step. I just tried it for s&g's and there were naturally no offers (pre-qualification is only for 3 of their CCs which I'm aware that I wouldn't qualify for QS1, Platinum or Secured). Therefore, there were no HPs.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Anonymous — Mon, 07 Dec 2020 02:07:18 GMT

I'd wager to say the CapOne Prequalify tool is used quite often around these parts. And, I can't say I've ever heard of any error that led to an HP. That said, as others have mentioned, if you went just one step too far, you would have actually submitted an application.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Anonymous — Mon, 07 Dec 2020 02:05:57 GMT

OP, did you ever enter your income in?

The pre-qual page "app" doesn't have an income field, where the following "real" app does ask for income.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

FinStar — Mon, 07 Dec 2020 02:54:59 GMT

@Anonymous wrote:
OP, did you ever enter your income in?

The pre-qual page "app" doesn't have an income field, where the following "real" app does ask for income.

Actually, that's not correct, it does. My screenshot above is cropped. It also has the field for monthly rent/mortgage.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

FinStar — Mon, 07 Dec 2020 02:56:27 GMT

@Anonymous wrote:
Makes no sense. Same three cards - nothing about Cabellas. Also no email about anything. Have checked junk mail also..
@FinStar wrote:
OP, it sounds like you were offered a pre-qualified offer and proceeded with the final step. I just tried it for s&g's and there were naturally no offers (pre-qualification is only for 3 of their CCs which I'm aware that I wouldn't qualify for QS1, Platinum or Secured). Therefore, there were no HPs.

This short form application is not for the Cabela's MC. There is no pre-qualification tool for that particular card since it is through Cabela's own website.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Anonymous — Mon, 07 Dec 2020 02:18:00 GMT

@Anonymous wrote:
OP, did you ever enter your income in?

The pre-qual page "app" doesn't have an income field, where the following "real" app does ask for income.

Yes ,it does ask for your income on the preapproval page- see below. I pasted the text from that page. I also pasted the link above to that page.

Let's say I did mistakenly continue the application. Why no email or response of any kind from Cap one telling me they received my application or any kind of communication? And again, where does Cabellas come in?

FROM THE PRE APPROVAL PAGE

Do you have any bank accounts?

Please select an option
Employment Status

Please select an option
Total Annual Income
$
/ Year
Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repaying this loan.

Monthly Rent/Mortgage
$
/ Month
We need your agreement to receive by electronic means only communications regarding credit card offer eligibility.
I have reviewed and agree to the terms of the Electronic Communications Disclosure. I confirm that I have the ability to save or print web pages.
By checking this box, I am providing written instructions to Capital One under the federal Fair Credit Reporting Act and applicable state law, authorizing Capital One to obtain information about me from consumer reporting agencies to determine if I am eligible for credit card offer(s). I understand that Capital One's privacy policies apply to the data that I am submitting and I understand that this is not a credit card application.
We only consider your eligibility for three credit cards–QuicksilverOne, Platinum and Secured Mastercard®.
See If I’m Pre‑Approved

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Slabenstein — Mon, 07 Dec 2020 02:18:46 GMT

What was the wording on the Experian alerts about the inquiries? Do you see the inquiries as HPs on your reports? It could be that these were SPs and the score change is unrelated, but that would depend on what you're seeing.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

CreditCuriosity — Mon, 07 Dec 2020 02:45:44 GMT

Aa others echoed alot of people use Cap1 here and never heard of HP's happening from it.. With that said if this is the case reach out to the EO(executive office) by email you can google email address and express your concerns and ask for them to either remove the inquiries being Cap1 or have them recoded as a soft pull the CRAs won't do anything about it, but if it was indeed Cap1 fault they will make it right although can take a bit of time getting someone to get back to you then to get it addressed if it was their error. Best of luck!

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

FinStar — Mon, 07 Dec 2020 02:38:03 GMT

@Anonymous wrote:
Let's say I did mistakenly continue the application. Why no email or response of any kind from Cap one telling me they received my application or any kind of communication?

Typically, an email is sent within ~24 hours. When the application is submitted, the splash page displays a confirmation that an application was submitted (i.e. further review) in the event that no instant approval was evidenced.

Re: Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to You

Anonymous — Mon, 07 Dec 2020 03:29:30 GMT

@CreditCuriosity wrote:
Aa others echoed alot of people use Cap1 here and never heard of HP's happening from it.. With that said if this is the case reach out to the EO(executive office) by email you can google email address and express your concerns and ask for them to either remove the inquiries being Cap1 or have them recoded as a soft pull the CRAs won't do anything about it, but if it was indeed Cap1 fault they will make it right although can take a bit of time getting someone to get back to you then to get it addressed if it was their error. Best of luck!

Thank you - much appreciated.