They'll pull all 3. If you lock/freeze EX, you might get a denial and 2 hard inquiries as a parting gift.
Op, cap1 is notorious for 3 hp’s I agree that if you freeze one cb you’ll probably get a 2 hp parting gift with that denial and even if you’re approved they can soft pull all 3 of the cb’s so if there’s anything you don’t want them to see, once an approval happens no worries..... they will.
Another thing is it’s not within guidelines to talk about freezing reports in the forums for apping purposes- I’m not sure how this applies to cap1 since they do pull all 3 normally. It’d be best if you just let them pull all 3 and if you get a denial then work on your rejection reasons, assuming you don’t already know what they might be...
Another thing is it’s not within guidelines to talk about freezing reports in the forums for apping purposes- I’m not sure how this applies to cap1 since they do pull all 3 normally. It’d be best if you just let them pull all 3 and if you get a denial then work on your rejection reasons, assuming you don’t already know what they might be...
I’m not sure with cap1 when I had them I took the 3 hp but hey it’s your report. Would you want to risk a denial and 2 hard pulls or an approval for 3 hard pulls?
It’s against the rules to talk about freezing a report to keep potential creditors from pulling a report. It’s somewhere in the guidelines and I’m sure a more experienced member can and probably will explain it.
It’s against the rules to talk about freezing a report to keep potential creditors from pulling a report. It’s somewhere in the guidelines and I’m sure a more experienced member can and probably will explain it.
@Anonymous wrote:It's not like I don't want them to see something, I just don't want the 3 pulls just for one cc. Also, I am not sure what you mean about the guidelines. Long story short, has freezing one's CR been a reason for denial for other people? If yes, then I just have to decide if the 50,000 point bonus is worth the triple pull or not.
Yes, there has been denials due to freezing a CR. There are also success stories. It is kind of random.
Last month my husband applied for Venture using a targeted 60k offer with Experian frozen. The application went into pending so he unfroze Experian and called Cap One. He was approved but didn’t escape the 3 HPs.
I think it might not hurt to try with Experian frozen but be prepared to call immediately to rescue your app if you don’t have an instant approval.
If I recall correctly from reading previous threads either intentionally or unintentionally with 1 bureau inaccessible:
Unicorn scenario, which I won't mention in detail.
Scenario as mentioned above in post 2. Denial, 2 hard pulls. You call to recon. Csr ask you to unlock/thaw and resubmit the application.
Best case scenario, they pull the missing bureau and you get approved.
Worse case scenario, they pull all 3B. Thus, 5 hard pulls total and you get approved.
Even worse case scenario, 5 hard pulls and a denial.
Unicorn scenario, which I won't mention in detail.
Scenario as mentioned above in post 2. Denial, 2 hard pulls. You call to recon. Csr ask you to unlock/thaw and resubmit the application.
Best case scenario, they pull the missing bureau and you get approved.
Worse case scenario, they pull all 3B. Thus, 5 hard pulls total and you get approved.
Even worse case scenario, 5 hard pulls and a denial.