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Capital One Prequal

bshockley1981
New Contributor

Capital One Prequal

Had a question, when I put in my old address, I am prequalified but when I put in my new address, nothing comes up. We just moved a couple months ago and my new address isn't on my reports yet. Any insight if I use my old address and call, they will send to my new address?
Message 1 of 7
6 REPLIES 6
JAG73
Moderator

Re: Capital One Prequal

I would put in the new address to avoid setting off alarms with the fraud dept. No use in adding more headaches. Whether you pre-qual or not, you can still be denied.

 

If you put the old addy and then call them, they could claim you falsified your app and close the account. That would be 3 hp for nothing. Ouch! 

 

If you put the new address, you may have to go thru verification which can be pretty simple. 

 

Just my 2 cents! 

 

Also, I would update my address on all 3 CB if you haven't yet. This can help avoid this in the future. 

Got some pruning to do... No more new cards!
Message 2 of 7
bshockley1981
New Contributor

Re: Capital One Prequal

Thanks for the insight!!!
Message 3 of 7
djenks76
Contributor

Re: Capital One Prequal

Also, if you do go through with application and get approved, try for a second that day.  They only do one hard pull per day so even if you get denied on the 2nd one it doesn't affect your credit score.


CH 13 filed 5/29/12 - Last payment 11/25/15 - Discharged 1/12/16 Starting EX - 707, TU - 682, EQ - 629, FICO 8 - 604--Current EX - 722, TU - 700, EQ - 713, FICO 8 - 661
Message 4 of 7
JAG73
Moderator

Re: Capital One Prequal

Cap 1 only allows one card per 6 months. 

Got some pruning to do... No more new cards!
Message 5 of 7
djenks76
Contributor

Re: Capital One Prequal

Has that changed in the last year?  I got my QuickSilver and Venture on the same day 1 month after discharge.


CH 13 filed 5/29/12 - Last payment 11/25/15 - Discharged 1/12/16 Starting EX - 707, TU - 682, EQ - 629, FICO 8 - 604--Current EX - 722, TU - 700, EQ - 713, FICO 8 - 661
Message 6 of 7
Scupra
Super Contributor

Re: Capital One Prequal


@djenks76 wrote:

Has that changed in the last year?  I got my QuickSilver and Venture on the same day 1 month after discharge.


Yes, it has changed unfortunately

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 7 of 7
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