Capital One QS application declined due to the need of ALL 3 credit reports

[xenon3030]

My application for a Capital One QS credit card was declined because they could not pull my EX report (it is locked). Anyway they pulled the credit reports from EQ and TU and it is strange that they need the credit reports from ALL three credit bureaus and cannot decide based on two reports.

If this is the case, I am not sure whether I consider this type of application because I prefer to submit the credit card applications in a way to distrubute inquiries between three credit bureaus but not for all of them (anyway, the majorities pull from EX for unknown reasons and it is not easy to do this task).

[Anonymous]

---

@xenon3030 wrote:

My application for a Capital One QS credit card was declined because they could not pull my EX report (it is locked). Anyway they pulled the credit reports from EQ and TU and it is strange that they need the credit reports from ALL three credit bureaus and cannot decide based on two reports.

If this is the case, I am not sure whether I consider this type of application because I prefer to submit the credit card applications in a way to distrubute inquiries between three credit bureaus but not for all of them (anyway, the majorities pull from EX for unknown reasons and it is not easy to do this task).

---

This is standard operating procedure for cap one. I understand their reasoning because they tend to extend credit to less than ideal candidates vs discover/chase/citi/amex. I also have no idea why lenders are EX happy... I kinda feel as if it's due to EX being a little tougher on scores/reporting and maybe something to do with it being used in Europe also.

What was the reason you did not want them to see your EX?

[xenon3030]

Because the majority of the lenders use EX and I already have >15 inquiries on it (for TU and EQ I have only <4). My EX is ~30-40 score lower than the others. Therefore, I decided to lock it and after increasing the score, unlock it.

[Anonymous]

What's one more if it's >15?

[joltdude]

Cap One almost ALWAYS wants three pulls... thats their standard operating procedure... Id unlock the third if  you can salvage the two HPs you already got....The GM Card is the only card i dont think requires 3 pulls from them .......(not including store cards from Cap One)....

You took the hit... you midas well take the third to see if you can convert it to a home run vs a complete strikeout....

-J

[xenon3030]

EX score is 720 (TU~745). Does it have a good chance for acceptance if I unlock EX?

[fltireguy]

That's what you get when you try and game the system - a denial

[xenon3030]

Is it possible to follow up via phone? In the decision letter, they mentioned only a written contact to their POBOX.

Here are also three Fico8 scores (EX=720, EQ=730, TU=740). What is the approval chance?

CreditKarma shows my approval is fair (Capital One® Quicksilver® Cash Rewards). Anyway, CreditKarma seems not very accurate in these estimations because of using VantageScore3 insead of FicoScore8.

[Anonymous]

1) Your scores aren't a problem
Just depends on the rest of your profile, at those scores

2) As mentioned Cap-1 is a loner in being a triple puller, as if their giving a mortgage but this is pretty well known ( and now you do to😊)

3) Again the QS isn't 'that' difficult a card to it per se

As for CK approval odds IGNORE them, period.
CK is good for alerts and seeing your credit info, otherwise it's a application wrangling system for their ADVERTISORS....
Their using a Vantage Score to steer apps = don't trust it, Ignore it completely...the ads pay the bills, so they steer
( You don't see Discover products anymore because they started their own FREE steering system with Ex
Sign up with them and they give you a real EX score monthly and Discover ads😉)

4) As for why this CRA vs that one
There are several reasons
a) Location
EQ can be very Easy Coast
TU very Mid-West
EX very West Coast
Many relationships were built traditionally by location years ago and never die
b) Corp agreements etc tend to mean whose gonna be Pepsi vs Coke

Example
TU is Chicago based there is a very decent chance if you live in Iowa or the lender you're apping is TU has a relationship whereas EQ has deep roots in the ATL
EX has ties but corporate is overseas with them now

[Meanmchine]

An interesting question arises

If you refuse to unlock EX, can you have Cap1 remove the HPs to TU and EQ?  After all, they pulled these reports and are refusing to use them.