Cap1 Weird Pre-Qual Change

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Would anyone else mind checking the prequal site and seeing what pulls up for them? Of course if it was recent and you had the venture /qs combo even better. Hoping it's some error on their end. Just checked mine and it's still pulling up the same offers.

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I'm never prequal'd on their site. My profile is clean. Oh well!!!

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For a data point, I do have to unlock my EQ to receive the offers.

[Anonymous]

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@SLO805 wrote:

I had a/my last collection cleared off my TU. Would think it be better approval now lol.

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I think that for these pre quals, Cap One taps EX. When my tax lien vanished from EX my pre approvals suddenly dropped to the lowest possible interest rates.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Would anyone else mind checking the prequal site and seeing what pulls up for them? Of course if it was recent and you had the venture /qs combo even better. Hoping it's some error on their end. Just checked mine and it's still pulling up the same offers.

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I'm never prequal'd on their site. My profile is clean. Oh well!!!

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For a data point, I do have to unlock my EQ to receive the offers.

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None of my reports are locked 

[Anonymous]

Sorry to hear that! There are times when CO can be soooooo cruel!  

[Anonymous]

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@Anonymous wrote:

Sorry to hear that! There are times when CO can be soooooo cruel!  

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It's cool. I have cards I use more anyways.

I have 2 Q1's that they won't PC. Soon as the second one hit the year mark next month, I'm going to hit the love button, combine into one then sock drawer it goes!!

[EmmaGolden]

Try it again but clear your cookies or use another browser. If i use chrome it comes up with no offers for me, since I in the rebuilding stages & have their plat & qs1. I tried with another browser & was offered the card I had already. Hope this helps you, Best of luck, I think you are doing great, I've learned in  the past month that quality is important rather than abundance.

[MyLoFICO]

They must have a minimum CS they look for. I have 2 QS1's at 1750/2150 CL's and their site says they werent able to match me with anything. My scores are in my siggy and are current. Once my paid off cards hit they should get a boost and I will try again. I would like to upgrade to a World Card and/or Venture. 

[SecretAzure]

My suggestion would be to wait. On the other hand, if one is going to go on an app spree as you did (OP), you should've hit them all at once. Those apps report fast. All those new inquiries is something that C1 would definately notice. Either app now or wait but make a decision asap. You have a lot of new credit, in your position, i'd wait 6 months...but that's just me.

[Anonymous]

@Shyhova

Thanks for the suggestion! I actually have tried that and unfortunately it's the same result. I even went as far as trying different browsers...clearing cache and history
.. and trying different versions of my addy.

@VegasMom

No problem! I'm glad that I may be helping others to avoid this problem. I wish I would of checked it after applying that evening.

@ladym2011

I've read that a lot of people don't get prequals for C1. I'm sorry to hear you've never gotten any of them.

@BillyBob02

That is interesting to say the least, especially since CAPTOOL brings up a good data point about EX.


I forgot to mention the details of my older HP's. I have 2 on EQ (1 from C1 09/2015, the other Comcast 01/2015). 1 TU (Capital One 09/2015) and 3 on EX (2 rental companies 07/2015 and Capital One 09/2015).

I know I'm repeating myself but I'm now at 5 overall for EX due to Chase and Amex.

[Anonymous]

@EmmaGolden

Thanks much! I couldn't have done it without everyone here. I will try again and see what cones up. Maybe I'll try IE.

@MyLoFico

I would definitely give it a try once your scores boost a bit. Hopefully it'll come up with a prequal for you. Once my score shot up because of my 9% util. that's when I started seeing decent if not good prequals.

@SecretAzure

Yeah I was trying to gauge at first and I had a plan. I didn't get outright declined for the CSP  and since I got the Freedom I thought it best to wait for the letter in the mail or some form of approval/decline... especially because of the 5/24 rule. I was thinking yeah I should stop there. .. now I wished I would of app'd BUT I'm also thinking maybe it's for the best. I also figured at the time that 2 inquiries wouldn't hurt my chances with Cap1. Guess I was wrong lol


Here's another thing. When do you all think these new CL's will show up on my CRs? I've read Amex can take a couple months but what about Chase?

My QS1 will be hitting it's 6 month mark early March, should be the first week depending on how slow TU is. By then I should have an answer on the CSP too.  If these EX inqs are what killed my prequal I guess it won't matter if my score jumps much though eh? I don't really want to cold app.