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Capital One hit me with 2 hard pulls!

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Anonymous
Not applicable

Capital One hit me with 2 hard pulls!

I applied and was approved for a Capital One Prestige card, and I noticed per MyFICO they pulled Equifax and Experian!  I didn't know they pulled 2... I thought they would only pull 1!  Has anyone else experienced this?

Message 1 of 18
17 REPLIES 17
Aarvard
Established Contributor

Re: Capital One hit me with 2 hard pulls!

Consider yourself lucky, as Cap1 is notoriously known for pulling all 3 bureaus for an app lol
03/25/2015 TU 08 765, EX 08 747, EQ 08 757, EQ 04 754.
01/30/2016 TU 08 775, EX 08 752, EQ 08 744
Goal: 780+ across all models.
Message 2 of 18
Anonymous
Not applicable

Re: Capital One hit me with 2 hard pulls!

Congrats on your approval! They frequently triple pull, so you got lucky!

Message 3 of 18
TRC_WA
Senior Contributor

Re: Capital One hit me with 2 hard pulls!

Grats on the double pull OP!

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 4 of 18
Anonymous
Not applicable

Re: Capital One hit me with 2 hard pulls!

lucky duck!

Message 5 of 18
Anonymous
Not applicable

Re: Capital One hit me with 2 hard pulls!

Well known triple puller.

Message 6 of 18
Anonymous
Not applicable

Re: Capital One hit me with 2 hard pulls!

You might see that third HP yet. My EX always comes much later than my TU & EQ. But you need to expect all 3 when you app Cap One. They're pretty much the only lender who always pulls all 3 CA's when you apply. But most of the time it's worth it as Cap One is pretty damm good at approving, and usually with higher CL's than most other lender's.
Message 7 of 18
Anonymous
Not applicable

Re: Capital One hit me with 2 hard pulls!


@Anonymous wrote:

I applied and was approved for a Capital One Prestige card, and I noticed per MyFICO they pulled Equifax and Experian!  I didn't know they pulled 2... I thought they would only pull 1!  Has anyone else experienced this?


Count yourself lucky if you don't get 3 pulls.

 

TU is usually slow at updating, I wouldn't be surprised if they hit you with 1 more on TU.

 

Cross your fingers Smiley Happy

Message 8 of 18
Anonymous
Not applicable

Re: Capital One hit me with 2 hard pulls!

I agree with @Aarvard... Consider yourself lucky with just 2 pulls..

Message 9 of 18
Jerry45
Valued Contributor

Re: Capital One hit me with 2 hard pulls!


@Anonymous wrote:

I applied and was approved for a Capital One Prestige card, and I noticed per MyFICO they pulled Equifax and Experian!  I didn't know they pulled 2... I thought they would only pull 1!  Has anyone else experienced this?


You are lucky they did not Pull TU also.

Message 10 of 18
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