Who does Cap One SP for a CLI?

[Anonymous]

I am preparing to request a CLI from Capital One soon. Who do they SP, a particular bureau or all three?

[gdale6]

They typically SP EQ for account reviews, the CLI will be based off their most recent AR pull of your credit.

[Anonymous]

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@gdale6 wrote:

They typically SP EQ for account reviews, the CLI will be based off their most recent AR pull of your credit.

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This is only my 2nd statement (thinking about waiting til 3rd) so will they use my application pull?

[Anonymous]

UGH! Equifax is my worst!

[taxi818]

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@gdale6 wrote:

They typically SP EQ for account reviews, the CLI will be based off their most recent AR pull of your credit.

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+1. Keep in mind they use the fico 4 version however.

[gdale6]

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@Anonymous wrote:

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@gdale6 wrote:

They typically SP EQ for account reviews, the CLI will be based off their most recent AR pull of your credit.

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This is only my 2nd statement (thinking about waiting til 3rd) so will they use my application pull?

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More than likely.

[Anonymous]

I'm not sure who they soft pulled for me, but I was able to get a Credit Limit Increase from $500 to $1500 before my 3rd statement cut on my Quicksilver Mastercard by hitting the Luv Button on their website.  

[SouthJamaica]

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@Anonymous wrote:

I am preparing to request a CLI from Capital One soon. Who do they SP, a particular bureau or all three?

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For me I know they've been doing Experian, but I don't know if they're soft pulling others as well.

[OmarGB9]

They do EQ 04, and their SPs always lag behind like two months.

[Jerry45]

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@gdale6 wrote:

They typically SP EQ for account reviews, the CLI will be based off their most recent AR pull of your credit.

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Good to know. Thanks