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Chap 7 now discharged. Cap one auto navigator question...

Frozenpepsi
Established Member

Chap 7 now discharged. Cap one auto navigator question...

So yesterday was my discharge. Experian and Equifax have updated my file, but transunion hasn't yet.
Should I wait for all three to update or do they only pull from one?
EXP 633
EQ 659
TU 609
Message 1 of 5
4 REPLIES 4
DaveInAZ
Senior Contributor

Re: Chap 7 now discharged. Cap one auto navigator question...

I've never used auto navigator, but I do know from personal experience that a Cap One credit card app is a triple pull one all 3, so probably the same for auto navigator. I'd wait for TU to update, should only be a few days.

Message 2 of 5
Frozenpepsi
Established Member

Re: Chap 7 now discharged. Cap one auto navigator question...

I spoke to all three. Eq and ex both have it, but they have not updated anything yet, and tu wants me to fax a copy to them.
I'll probably have to play the waiting game after that.
The good thing is that there are only five days left in the month, so I'll only have a maximum wait of five days, I think...
EXP 633
EQ 659
TU 609
Message 3 of 5
NowGettinBetter
Established Member

Re: Chap 7 now discharged. Cap one auto navigator question...

I just recently used the auto navigator, and if I recall it was a soft pull, and they didn't do a hard pull until I actually found a car and submitted the credit application.

Message 4 of 5
Frozenpepsi
Established Member

Re: Chap 7 now discharged. Cap one auto navigator question...

Yeah, it is a soft pull; however, none of my credit reports have been updated as of now, so even though they show it as discharged on their end, cap one's system can't see it yet...
EXP 633
EQ 659
TU 609
Message 5 of 5
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