Cap1 after ch7 with no pre-approvals?

[PrinceCorwin]

I discharged my chp7 almost 2 months ago. 3 fico scores @ 610. Cap1 sight shows no prequal offers buy CK and Ex sites show cap1 QS as very good or excellent odds. Has anyone gotten a cap1 card close to discharge date with no offers showin on their prequal sight? I did burn them for about $1000

[DogwoodLynx]

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@PrinceCorwin wrote:

I discharged my chp7 almost 2 months ago. 3 fico scores @ 610. Cap1 sight shows no prequal offers buy CK and Ex sites show cap1 QS as very good or excellent odds. Has anyone gotten a cap1 card close to discharge date with no offers showin on their prequal sight? I did burn them for about $1000

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Cap 1 varies it appears (from what I've read on this forum).

Did you do the Cap 1 pre-qual on their website? It is a soft pull (and a hard pull if you submit the real app, I think). 

@FireMedic1 anything to add?

CK and Experian are just guessing. Go straight to the source!

[DogwoodLynx]

Credit Score of 610 doesn't seem to bad for 2 mo out of BK7. Good job. Good luck!

You are three or four months ahead of me. Keep us updated. 

[PrinceCorwin]

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@DogwoodLynx wrote:

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@PrinceCorwin wrote:

I discharged my chp7 almost 2 months ago. 3 fico scores @ 610. Cap1 sight shows no prequal offers buy CK and Ex sites show cap1 QS as very good or excellent odds. Has anyone gotten a cap1 card close to discharge date with no offers showin on their prequal sight? I did burn them for about $1000

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Cap 1 varies it appears (from what I've read on this forum).

Did you do the Cap 1 pre-qual on their website? It is a soft pull (and a hard pull if you submit the real app, I think). 

@FireMedic1 anything to add?

CK and Experian are just guessing. Go straight to the source!

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I mentioned in my OP that I had no prequal offers on the cap1 site

[FireMedic1]

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@PrinceCorwin wrote:

I discharged my chp7 almost 2 months ago. 3 fico scores @ 610. Cap1 sight shows no prequal offers buy CK and Ex sites show cap1 QS as very good or excellent odds. Has anyone gotten a cap1 card close to discharge date with no offers showin on their prequal sight? I did burn them for about $1000

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Do you mean you filed "almost 2 months ago"? And waiting for DC to happen?

[DogwoodLynx]

Oops. You did! I read your post as you checking through CK/Exp.

My bad!

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@PrinceCorwin wrote:

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@DogwoodLynx wrote:

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@PrinceCorwin wrote:

I discharged my chp7 almost 2 months ago. 3 fico scores @ 610. Cap1 sight shows no prequal offers buy CK and Ex sites show cap1 QS as very good or excellent odds. Has anyone gotten a cap1 card close to discharge date with no offers showin on their prequal sight? I did burn them for about $1000

---

Cap 1 varies it appears (from what I've read on this forum).

Did you do the Cap 1 pre-qual on their website? It is a soft pull (and a hard pull if you submit the real app, I think). 

@FireMedic1 anything to add?

CK and Experian are just guessing. Go straight to the source!

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I mentioned in my OP that I had no prequal offers on the cap1 site

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[PrinceCorwin]

I still haven't heard anyone say they got approved after not getting any offers on the prequal cap1 site. Anyone have any experience with that?

[DogwoodLynx]

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@PrinceCorwin wrote:

I still haven't heard anyone say they got approved after not getting any offers on the prequal cap1 site. Anyone have any experience with that?

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If you didnt get a prequal I wouldnt officially apply. It woukd probably be a waste of a hardpull. 

[Pway]

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@DogwoodLynx wrote:

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@PrinceCorwin wrote:

I still haven't heard anyone say they got approved after not getting any offers on the prequal cap1 site. Anyone have any experience with that?

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If you didnt get a prequal I wouldnt officially apply. It woukd probably be a waste of a hardpull. 

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I agree with this ^^^^

[raisemysc0re]

I also agree and also would not try especially because CapOne does a triple Hard Pull. An application will result in an inquiry to each CRA.