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Capital One.. two inquiries in two days?

Wls170
Valued Member

Capital One.. two inquiries in two days?

Hello,

Feb 10th I recently applied for and was accepted for a capital one card

credit wise sent me another notification today alerting me that cap 1 checked my credit again(once on the 10th and again today on the 12th).  Anyone have experience with this type of issue?  Any idea if a double inquiry will bring my credit down further than a single?  Thanks in advance 

Message 1 of 10
9 REPLIES 9
FinStar
Moderator

Re: Capital One.. two inquiries in two days?

Capital One typically pulls all 3 CRAs for their major CCs.  

 

Keep in mind that some of the alerts might be delayed and CreditWise provides the latter for both TU and EX. 

Message 2 of 10
Wls170
Valued Member

Re: Capital One.. two inquiries in two days?

 


@FinStar wrote:

Capital One typically pulls all 3 CRAs for their major CCs.  

 

Keep in mind that some of the alerts might be delayed and CreditWise provides the latter for both TU and EX. 


 


So you're saying one alert could be TU and the other Experian ?  

Message 3 of 10
KLEXH25
Valued Contributor

Re: Capital One.. two inquiries in two days?


@Wls170 wrote:

 


@FinStar wrote:

Capital One typically pulls all 3 CRAs for their major CCs.  

 

Keep in mind that some of the alerts might be delayed and CreditWise provides the latter for both TU and EX. 



So you're saying one alert could be TU and the other Experian ?  


Yes, that's what it probably means. They pull all three so if you monitor all three, you should get three alerts / inquiries. 



Message 4 of 10
angelwingz
Valued Contributor

Re: Capital One.. two inquiries in two days?

Finstar is right. Because Cap1 pulls from all 3 CB's, it will reflect your inquiry three times. These times may be delayed, sometimes up to a few days from each CB. 




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 5 of 10
FinStar
Moderator

Re: Capital One.. two inquiries in two days?


@KLEXH25 wrote:

@Wls170 wrote:

 


@FinStar wrote:

Capital One typically pulls all 3 CRAs for their major CCs.  

 

Keep in mind that some of the alerts might be delayed and CreditWise provides the latter for both TU and EX. 



So you're saying one alert could be TU and the other Experian ?  


Yes, that's what it probably means. They pull all three so if you monitor all three, you should get three alerts / inquiries. 


Exactly, so there should be 1 HP per CRA. 

 

@Wls170, when you access CreditWise, look at each of the alerts. One should be from EX and the other from TU. 

Message 6 of 10
KLEXH25
Valued Contributor

Re: Capital One.. two inquiries in two days?


@angelwingz wrote:

Finstar is right. Because Cap1 pulls from all 3 CB's, it will reflect your inquiry three times. These times may be delayed, sometimes up to a few days from each CB. 


Yeah from my experience, Experian is the fastest and Equifax is molasses.



Message 7 of 10
AllZero
Mega Contributor

Re: Capital One.. two inquiries in two days?

Congratulations on your approval! 3rd pull should be arriving shortly. Triple whipple in effect.
Message 8 of 10
AllZero
Mega Contributor

Re: Capital One.. two inquiries in two days?

If you aren't on it, I'd recommend creditkarma.com to track TU and EQ reports. Experian.com to track EX reports. These are available for free.

Message 9 of 10
M_Smart007
Legendary Contributor

Re: Capital One.. two inquiries in two days?


@AllZero wrote:
Congratulations on your approval! 3rd pull should be arriving shortly. Triple whipple in effect.

Gotta love emSmiley Very Happy

Message 10 of 10
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