Thinking of going for a venture, couple questions

[Anonymous]

1. Will Capital One care about current balances? I always PIF but I might have my auto paid cable bill show up. Would be < 5% utilization on my cap1 QS. If that matters I can obviously wait a few days. 

2. Will they approve with a frozen EQ? Other two are not frozen. 

[Anonymous]

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@Anonymous wrote:

1. Will Capital One care about current balances? I always PIF but I might have my auto paid cable bill show up. Would be < 5% utilization on my cap1 QS. If that matters I can obviously wait a few days. 

2. Will they approve with a frozen EQ? Other two are not frozen. 

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Yes, if you credit profile supports it you will get approved even if you have balances on your other credit cards.  Secondly, althought  CAP1 has approved people with just pulling 2 reports it will be far far better if you unfreeze the other report before you apply.

What are your scores?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

1. Will Capital One care about current balances? I always PIF but I might have my auto paid cable bill show up. Would be < 5% utilization on my cap1 QS. If that matters I can obviously wait a few days. 

2. Will they approve with a frozen EQ? Other two are not frozen. 

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Yes, if you credit profile supports it you will get approved even if you have balances on your other credit cards.  Secondly, althought  CAP1 has approved people with just pulling 2 reports it will be far far better if you unfreeze the other report before you apply.

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I'll wait then. Someone was trying to get into my report so I was concerned about ID theft attempts. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

1. Will Capital One care about current balances? I always PIF but I might have my auto paid cable bill show up. Would be < 5% utilization on my cap1 QS. If that matters I can obviously wait a few days. 

2. Will they approve with a frozen EQ? Other two are not frozen. 

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Yes, if you credit profile supports it you will get approved even if you have balances on your other credit cards.  Secondly, althought  CAP1 has approved people with just pulling 2 reports it will be far far better if you unfreeze the other report before you apply.

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I'll wait then. Someone was trying to get into my report so I was concerned about ID theft attempts. 

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Good decision... Wait until you are ready..

[taxi818]

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@Anonymous wrote:

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@Anonymous wrote:

1. Will Capital One care about current balances? I always PIF but I might have my auto paid cable bill show up. Would be < 5% utilization on my cap1 QS. If that matters I can obviously wait a few days. 

2. Will they approve with a frozen EQ? Other two are not frozen. 

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Yes, if you credit profile supports it you will get approved even if you have balances on your other credit cards.  Secondly, althought  CAP1 has approved people with just pulling 2 reports it will be far far better if you unfreeze the other report before you apply.

What are your scores?

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Agreed. In rare instances will they approve. Without eq. I mean other scores over 750. I tried it and was denied.  Unfroze my eq. And was instant approved 

[ddemari]

Agree with what everyone has said. Some people have gotten the approval with a CR froozen. But, I wouldn't try it. It's better to wait until your profile feels secure. 

[JamP]

Anything on the prequal site?

[Anonymous]

No but they do AR on equifax which has been frozen for a bit now. 

[morgacj2004]

Unfreeze the bureau. Then apply for two CO cards to get greater benefit for the three HP.  This is a great time to app for CO as they are very generous with starting CL. 

[Sharingan]

I was instantly approved for my Venture with a frozen EX report. It's not EQ, but it does indicate that they are willing to approve with a double pull. I'm not positive if a certain bureau is required though. Unfortunately, I have heard of a lot more people being declined with frozen reports than I have heard getting approved.