@Anonymous wrote:Yeah, I'm really surprised at this discovery about their behavior too... I re-checked all three reports just to make sure, and they all show that no new pull was made. Why would I be asked for all of my information all over again if they're just going to grab the old report anyways? *eye roll* and to boot, I keep getting mail sent to me for invitations to apply for their Platinum Mastercard with the possibility of an increased credit line after five months of payments on time... I don't want to say that stings, but it kind of does after being rejected for the Quicksilver (something they also sent me an invitation letter for).
Urgh! It's all my fault anyway for not checking all three reports before applying the very first time around, but I guess I'm glad they rejected me because at least it alerted me to the problem!
And thanks for the advice UncleB, I think applying online might be the only sure-fire way to get a brand new HP done. Only in the interim while waiting for their response, calling, waiting again, and receiving their second response, I was bad and spree'd on oh... I don't know... six or seven other apps. So they might not like what they see on my report now anyway, only for different reasons
I know some institutions are finicky about new inquiries, is CapOne the same way? If rejected I could always try to recon, letting them know that the spree is because I have an upcoming raise and I'm hoping to build a profile before shopping for a house next year... but with my last attempt at recon through them, I really don't know if my comments would see the light of day lol. If it helps my situation at all, I got approved for Discover, Barclays Ring, FNBO, and a credit limit increase at Chase from $500 to $2,000.
I'm sorry you're having so much trouble getting in with Capital One. I've got an 8-year old QuickSilver One Mastercard (started off as Orchard/HSBC) and a fairly new QuickSilver Visa Signature, and I can say that while Capital One is being a 'pain' for you now, I think you'll be a happy camper once you get everything worked out. I actually plan on using my cash back this year to pay for a large portion of my Christmas purchases, and my QuickSilver is a big part of that.
As for Capital One being sensitive to inquiries, I don't have extensive personal experience with this. When I app'd for my QuickSilver Visa back in April, the bureau with the most inquiries for me was Equifax, with three inquiries. Most folks on here claim that of all the lenders Capital One seems to be one of the least concerned with inquiries, with Barclay's and Chase being among the most sensitive. I would advise someone who was 'borderline' that they might want to wait if they had just an absolute ton of inquiries, but that doesn't seem to be you. You mention you have the Ring card, which tells me you probably are in pretty good shape score-wise, as well as not having too many inquiries. Honestly, I would probably go for it, since you've already got a really great portfolio and seem to be establishing yourself well... but only you can decide what's best for you. Of course, YMMV, but I have a pretty good feeling about your chances. 
Whatever you choose, good luck!
Ah, hadn't thought of them checking Innovis! I did call and request my report from Innovis on Thursday, and I'm waiting to get it in the mail. Better wait on applying at Capital One again until I'm sure that report is clean too. Thanks for the tip! 
@UncleB wrote:
@Anonymous wrote:Yeah, I'm really surprised at this discovery about their behavior too... I re-checked all three reports just to make sure, and they all show that no new pull was made. Why would I be asked for all of my information all over again if they're just going to grab the old report anyways? *eye roll* and to boot, I keep getting mail sent to me for invitations to apply for their Platinum Mastercard with the possibility of an increased credit line after five months of payments on time... I don't want to say that stings, but it kind of does after being rejected for the Quicksilver (something they also sent me an invitation letter for).
Urgh! It's all my fault anyway for not checking all three reports before applying the very first time around, but I guess I'm glad they rejected me because at least it alerted me to the problem!
And thanks for the advice UncleB, I think applying online might be the only sure-fire way to get a brand new HP done. Only in the interim while waiting for their response, calling, waiting again, and receiving their second response, I was bad and spree'd on oh... I don't know... six or seven other apps. So they might not like what they see on my report now anyway, only for different reasons
I know some institutions are finicky about new inquiries, is CapOne the same way? If rejected I could always try to recon, letting them know that the spree is because I have an upcoming raise and I'm hoping to build a profile before shopping for a house next year... but with my last attempt at recon through them, I really don't know if my comments would see the light of day lol. If it helps my situation at all, I got approved for Discover, Barclays Ring, FNBO, and a credit limit increase at Chase from $500 to $2,000.
I'm sorry you're having so much trouble getting in with Capital One. I've got an 8-year old QuickSilver One Mastercard (started off as Orchard/HSBC) and a fairly new QuickSilver Visa Signature, and I can say that while Capital One is being a 'pain' for you now, I think you'll be a happy camper once you get everything worked out. I actually plan on using my cash back this year to pay for a large portion of my Christmas purchases, and my QuickSilver is a big part of that.
As for Capital One being sensitive to inquiries, I don't have extensive personal experience with this. When I app'd for my QuickSilver Visa back in April, the bureau with the most inquiries for me was Equifax, with three inquiries. Most folks on here claim that of all the lenders Capital One seems to be one of the least concerned with inquiries, with Barclay's and Chase being among the most sensitive. I would advise someone who was 'borderline' that they might want to wait if they had just an absolute ton of inquiries, but that doesn't seem to be you. You mention you have the Ring card, which tells me you probably are in pretty good shape score-wise, as well as not having too many inquiries. Honestly, I would probably go for it, since you've already got a really great portfolio and seem to be establishing yourself well... but only you can decide what's best for you. Of course, YMMV, but I have a pretty good feeling about your chances.
Whatever you choose, good luck!
Haha, just figured out how to quote messages in my replies *genius*. When I first started this spree, I didn't have many inquiries, and Capital One was the very second that I went for. Now that all the dust has settled though, I'm batting 11 with Experian, 7 Transunion, and 8 Equifax over the last two years.
Another spree back in December eventually culminated in my Chase card opening (my first CC ever, at 27). They're the only ones who know how much money I have in the bank, so I guess they didn't care about me not having any history whatsoever.
Recent Inquiries for each bureau (as in all this spree starting June 24 and ending June 28):
Equifax: 4
Transunion: 2
Experian: 6 (one was a HP for a credit line increase with Chase)
A might more than the 3 you apped with UncleB, but I'm glad for your opinion on their stance at least! I think once I get the Innovis report and ensure that it is clear, I might reapply again anyway. In for a penny, in for ten thousand pounds 
Oh and the Barclay's card I did have to recon three times for. They were very prickly about me not having any credit and suddenly wanting it, but when I explained to the third rep that I was due for a raise within 60 days and following my dad's advice to get a history started, they caved and gave me a CL of $1,000.
@Anonymous wrote:
I noticed when people app for Amex and declined, then app again a month or 2 later, they are denied again, because Amex used the report they were originally denied with. Cap 1 may be the same way.
That is good information to have. I applied with Amex way back in December during my first app spree when I had absolutely zilch in the way of credit history to work with. They asked for my tax info, and I politely let the application die a silent death (meaning I wasn't going to give up my tax info). Would have gladly shown bank statements. However, their upload wouldn't allow for anything but the tax form, so oh well.
Maybe now that it's been six months I could give it another go with Amex, but with all the recent applications I don't think my odds are all that great... Though to my absolute horror, I admit the application process proves wonderfully addicting, so who knows what I might end up doing