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Capital One Auto-Navigator Prequalification Denial : Presence of Eviction(s)

Valued Member

Capital One Auto-Navigator Prequalification Denial : Presence of Eviction(s)

Question. In the letter I received from Capital One Auto when I attempted to see if I prequalify for an auto financing through them, the listed reason for denial is: 

 

Requestor : presence of eviction(s)

Requestor : Time since last eviction

 

I'm a little confused as to these points because I have never been evicted. I DO have a charged-off auto loan from Foreman Financial that is well over 6 years old and is scheduled to drop off in February of next year. I refuse to pay that debt because the Mazda MPV was a rolling death trap and it was in service (at the mechanics) for two out of the three months I had the van. 

 

So, is this term "eviction" referencing my former auto loan? I have never heard of the term "eviction" being used this way, so that's why I'm asking. 

FICO 8 Scores (09/2017)
EQ=485
TU=460
EX=496

FICO 8 Scores (04/2018)
EQ=645
TU=640
EX=659

NFCU Go Rewards: $3,200 - MilStar: $650 - Discover It Cash Back: $600 - AMEX BCE: $500 - CapitalOne: $400 - Fingerhut: $500 - Wal-Mart: $200
Message 1 of 5
4 REPLIES
Regular Contributor

Re: Capital One Auto-Navigator Prequalification Denial : Presence of Eviction(s)

You should call and ask.
Message 2 of 5
Valued Member

Re: Capital One Auto-Navigator Prequalification Denial : Presence of Eviction(s)

I attempted that the day afterward but the machine yelled at me saying that customer service representatives don't have access to that information.

FICO 8 Scores (09/2017)
EQ=485
TU=460
EX=496

FICO 8 Scores (04/2018)
EQ=645
TU=640
EX=659

NFCU Go Rewards: $3,200 - MilStar: $650 - Discover It Cash Back: $600 - AMEX BCE: $500 - CapitalOne: $400 - Fingerhut: $500 - Wal-Mart: $200
Message 3 of 5
Regular Contributor

Re: Capital One Auto-Navigator Prequalification Denial : Presence of Eviction(s)

Wow that sounds bizarre.
Message 4 of 5
Valued Member

Re: Capital One Auto-Navigator Prequalification Denial : Presence of Eviction(s)

Just had the same message on mine, and we’ve never been evicted as well. I tried to speak to someone regardless of it telling me they wouldn’t know, and it said they were already closed.

Any update? I’ll try and call again tomorrow.
BK 7 Filed: 2/13/18
Discharged: 5/17/18

CreditOne: $400
Message 5 of 5