Apply for Capital One with 2 out of 3 CRAs frozen?

[kremonis]

Capital One infamaously pulls from all three credit reporting agencies. What would happen if you froze two out of the three CRA, then went a head and applied for one of their personal or business credit cards?

[M_Smart007]

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@kremonis wrote:

Capital One infamaously pulls from all three credit reporting agencies. What would happen if you froze two out of the three CRA, then went a head and applied for one of their personal or business credit cards?

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Probably be denied.

[citymunky]

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@kremonis wrote:

Capital One infamaously pulls from all three credit reporting agencies. What would happen if you froze two out of the three CRA, then went a head and applied for one of their personal or business credit cards?

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I seen/heard of people being approved with one of the 3 CRA frozen.

I was approved for the SavorOne last year with EX and TU frozen, however I was heavily targeting heavily and already a Cap1 card holder. Also my SL was super low at $500 so their might tradeoffs 

[CreditCuriosity]

two out of three a wasted HP likely.  one of three possible approval.  Leave all three unfroozen a certainly better change of approval.  I rather take the triple hit personally and have a better chance.  They also pull many third party bureaus such as sagestream, etc.  They want to see the biggest picture they can your financial status

[SouthJamaica]

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@kremonis wrote:

Capital One infamaously pulls from all three credit reporting agencies. What would happen if you froze two out of the three CRA, then went a head and applied for one of their personal or business credit cards?

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Denial, most likely.

[reluctantgarden]

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@kremonis wrote:

Capital One infamaously pulls from all three credit reporting agencies. What would happen if you froze two out of the three CRA, then went a head and applied for one of their personal or business credit cards?

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My experience may be atypical or maybe because it's retail, but this year I was approved for their Pottery Barn MC with Experian and Equifax frozen. I did have a past car loan and had just opened a checking account.

[kremonis]

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@kremonis wrote:

Capital One infamously infamaously pulls from all three credit reporting agencies. What would happen if you froze two out of the three CRA, then went a head and applied for one of their personal or business credit cards?

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Follow up question. Lets say I bite the bullet and I'm ok with taking a triple hit from Cap1. I read that Cap1 may likely give you a better starting limit if they actively see using your credit.

I have a window of less than week before a four figure charge hits my credit report. It would be 100% utilization on that card but under 9% based on total credit.

Would it be better to apply to Cap1 before or after the four figure charge hits my credit report?

[markbeiser]

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@kremonis wrote:

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I have a window of less than week before a four figure charge hits my credit report. It would be 100% utilization on that card but under 9% based on total credit.

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You definitely DO NOT want to have 100% utilization showing on a card!
It will it cause a significant drop in your credit scores, potentially casue AA from other issuers, and cause denials for new credit.

[CreditCuriosity]

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@kremonis wrote:

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@kremonis wrote:

Capital One infamously infamaously pulls from all three credit reporting agencies. What would happen if you froze two out of the three CRA, then went a head and applied for one of their personal or business credit cards?

---

Follow up question. Lets say I bite the bullet and I'm ok with taking a triple hit from Cap1. I read that Cap1 may likely give you a better starting limit if they actively see using your credit.

I have a window of less than week before a four figure charge hits my credit report. It would be 100% utilization on that card but under 9% based on total credit.

Would it be better to apply to Cap1 before or after the four figure charge hits my credit report?

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Yes!  check the pre-approval site first and make sure you are pre-approved for their card that you want prior to going head deep in with the actual application.  Pre-qual's/approvals aren't 100% golden, but a good indicator of whether you would be approved or not

[nytokyobred79]

I was approved for the Venture X Rewards with EX/TU thawed and EQ frozen. Probably one of the silliest things I could have done last year. Not only did EQ have the fewest inquiries but it also had my best AAoAs since some student still reported. I'm pretty sure I got the worst possible APR bc of this. Personally, I would take the 3 hit pull if you want one of their cards( and check pre-approval beforehand as suggested above).