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Venture Manual Review and Two New HPs

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Super Contributor

Re: Venture Manual Review and Two New HPs

Oh for sure!! EX inqs are like gold!
Message 11 of 31
Super Contributor

Re: Venture Manual Review and Two New HPs


@baller4life wrote:
Oh for sure!! EX inqs are like gold!

Lol......

+1

EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 12 of 31
Moderator

Re: Venture Manual Review and Two New HPs


@popamode72 wrote:

CS there clearly told me that there wouldn't be any new HPs done on either my TU or EQ report because my Venture app had been submitted in the last 30 days.

 

Fast forward to today and I noticed a new HP from Capone on my TU and EQ reports and I called EO again and told them what happened and this woman kept telling me that it may have been a soft inquiry and I kept telling her that I could clearly see them on my reports so they're gonna look into what happened.

 

I'm so annoyed right now. 


wow weclome to cap1 where they enjoy spraying your credit report.. hopefully you get an approval after 4 or 6 hps?

Message 13 of 31
Super Contributor

Re: Venture Manual Review and Two New HPs


@CreditCuriousity wrote:

@popamode72 wrote:

CS there clearly told me that there wouldn't be any new HPs done on either my TU or EQ report because my Venture app had been submitted in the last 30 days.

 

Fast forward to today and I noticed a new HP from Capone on my TU and EQ reports and I called EO again and told them what happened and this woman kept telling me that it may have been a soft inquiry and I kept telling her that I could clearly see them on my reports so they're gonna look into what happened.

 

I'm so annoyed right now. 


wow weclome to cap1 where they enjoy spraying your credit report.. hopefully you get an approval after 4 or 6 hps?


DCU was almost as bad in the HP kamikaze department. CapOne needs to get with the times.

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
Message 14 of 31
Super Contributor

Re: Venture Manual Review and Two New HPs


@CreditCuriousity wrote:

@popamode72 wrote:

CS there clearly told me that there wouldn't be any new HPs done on either my TU or EQ report because my Venture app had been submitted in the last 30 days.

 

Fast forward to today and I noticed a new HP from Capone on my TU and EQ reports and I called EO again and told them what happened and this woman kept telling me that it may have been a soft inquiry and I kept telling her that I could clearly see them on my reports so they're gonna look into what happened.

 

I'm so annoyed right now. 


wow weclome to cap1 where they enjoy spraying your credit report.. hopefully you get an approval after 4 or 6 hps?


I don't know..

 

If I hadn't been instapproved for the Venture i'd have stopped right then and there, personally. No need to self-flagellate yourself like that over a pissant $400 travel bonus.

 

One set of twin pulls is bad enough, but 6+ pulls for this mishegas is beyond salvation. I'd have cut all ties with them then and there.

EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 15 of 31
Super Contributor

Re: Venture Manual Review and Two New HPs


@Nixon wrote:

@CreditCuriousity wrote:

@popamode72 wrote:

CS there clearly told me that there wouldn't be any new HPs done on either my TU or EQ report because my Venture app had been submitted in the last 30 days.

 

Fast forward to today and I noticed a new HP from Capone on my TU and EQ reports and I called EO again and told them what happened and this woman kept telling me that it may have been a soft inquiry and I kept telling her that I could clearly see them on my reports so they're gonna look into what happened.

 

I'm so annoyed right now. 


wow weclome to cap1 where they enjoy spraying your credit report.. hopefully you get an approval after 4 or 6 hps?


I don't know..

 

If I hadn't been instapproved for the Venture i'd have stopped right then and there, personally. No need to self-flagellate yourself like that over a pissant $400 travel bonus.

 

One set of twin pulls is bad enough, but 6+ pulls for this mishegas is beyond salvation. I'd have cut all ties with them then and there.


If they had told me up front it would be two more HPs, I would have stopped right then and there and not bother but they really made it seem like they wouldn't do any more HPs and I heard so many great things about CapOne's EO that I didn't think they would come out and do this.

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
Message 16 of 31
Super Contributor

Re: Venture Manual Review and Two New HPs

Called back again and the app has been declined again. 

 

CapOne can suck it. Two more HPs for nothing.

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
Message 17 of 31
Super Contributor

Re: Venture Manual Review and Two New HPs


@popamode72 wrote:

Called back again and the app has been declined again. 

 

CapOne can suck it. Two more HPs for nothing.


Freeze everything and have them review again.

EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 18 of 31
Super Contributor

Re: Venture Manual Review and Two New HPs


@Nixon wrote:

@popamode72 wrote:

Called back again and the app has been declined again. 

 

CapOne can suck it. Two more HPs for nothing.


Freeze everything and have them review again.


I'm just gonna wait 30 days and go from there. Trying again is not out of the question but if that happens again, you bet I'm freezing everything.

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
Message 19 of 31
Super Contributor

Re: Venture Manual Review and Two New HPs

That sucks!!! Freakin morons! Smiley Mad
Message 20 of 31
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