Capital One 3 Bureau Pull Process

[Anonymous]

I have 3 (Now 4 ) cards with cap1.
Equifax is Frozen.
Tu was hard pulled.
No pull showed up on Experian.
Calling Cap1 financing for Venture they confirmed they only pulled my TU for approval.

We know my Equifax is frozen (REP did not acknowledge even trying to pull it)

Fact is I have no clue why the prime card was based off 1 pull, when it is a well known 3 pull.

Everyone's credit profile is diffrent......
Do not base my experience as reason for a application on your part. Chances they will want you to remove the freeze.

[rlx01]

No Cap1 card is worth 3 HP.

That's what MJ is trying to say. The bonuses etc just aren't there.

[dragontears]

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@rlx01 wrote:
No Cap1 card is worth 3 HP.

That's whatMJ is trying to say. The bonuses etc just aren't there.

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This is a rather over simplified statement. for some people it could be worth it even if it is not worth it to your specific situation. I could make a broad blanket statement that Amex is not worth a HP at all because I have yet to find a card of theirs that is a good fit with my spend patterns but that doesn't make all their cards worthless to other people.

[Anonymous]

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@dragontears wrote:

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@rlx01 wrote:
No Cap1 card is worth 3 HP.

That's whatMJ is trying to say. The bonuses etc just aren't there.

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This is a rather over simplified statement. for some people it could be worth it even if it is not worth it to your specific situation. I could make a broad blanket statement that Amex is not worth a HP at all because I have yet to find a card of theirs that is a good fit with my spend patterns but that doesn't make all their cards worthless to other people.

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I agree, I had no credit hystory and Cap 1 was the only CC company who gave me a start.  For those who can access better lines of credit,  Cap 1 may not seem worthy.  But for people who need to build or rebuild credit history they are invaluable.  Depends on your specific needs.