Cap One SPing WAY MORE THAN NORMAL

Anonymous · ‎02-25-2015

Hey All,

I check my softpulls often on EX and have noticed that Cap One has been softpulling me pretty often. I am wondering is it due to the new Venture approval. I was SP'ed on 12-19-15. 1-17-15, 2-06 and 2-07-15 (approved for Venture on the 6th) and then again on 2-23-15. I have only put about $500 on the card (10K limit) . Another odd thing is that these softpulls are different than normal.. the name comes up under CAP ONE instead of Capital One. Has anyone experienced this?

I hope this isn't the start of something new....

kdm31091 · ‎02-25-2015

I haven't seen them doing it any more often than normal for me.

It's a SP, it's not hurting you. It is likely they are simply keeping an eye on things since they just issued you $10k in credit. Wouldn't worry about it.

Anonymous · ‎02-25-2015

Hi, I just recently signed up with Experian, but I can't find where they show SP's. Is there a particular menu to see SP's?

Anonymous · ‎02-25-2015

How does one check soft pulls without ponying up money each time?

Anonymous · ‎02-25-2015

@kdm31091 wrote:
I haven't seen them doing it any more often than normal for me.

It's a SP, it's not hurting you. It is likely they are simply keeping an eye on things since they just issued you $10k in credit. Wouldn't worry about it.

Thanks! I accidently let all my cards report to $0... so they shouldnt see anything bad!

Anonymous · ‎02-25-2015

@Anonymous wrote:
Hi, I just recently signed up with Experian, but I can't find where they show SP's. Is there a particular menu to see SP's?

I am not sure that you can see any SP's from the Experian monitoring. I believe it is done by a 3rd party. You will have to go to their own dispute process:

http://www.experian.com/disputes/main.html

Hope this helps!

Anonymous · ‎02-25-2015

@Anonymous wrote:
@Anonymous wrote:
How does one check soft pulls without ponying up money each time?
If you have an old report number from EX.. you can go through their dispute process online and look at your report. I just do not dispute anything and exit out.
http://www.experian.com/disputes/main.html
Hope this helps!!!!

Thanks! That worked. It looks like Cap One has been soft pulling the hell out of me too!

02/21/2015;
02/19/2015;
02/17/2015;
02/13/2015;
02/12/2015;
02/10/2015;
02/08/2015;
01/08/2015

CreditCuriosity · ‎02-25-2015

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
How does one check soft pulls without ponying up money each time?
If you have an old report number from EX.. you can go through their dispute process online and look at your report. I just do not dispute anything and exit out.
http://www.experian.com/disputes/main.html
Hope this helps!!!!
Thanks! That worked. It looks like Cap One has been soft pulling the hell out of me too!

02/21/2015;
02/19/2015;
02/17/2015;
02/13/2015;
02/12/2015;
02/10/2015;
02/08/2015;
01/08/2015

lol wow... that is alot of softing by any creditor standards especially Cap1 lol. Sure you haven't been checking the pre-qual site those days? I had about a month of soft's from chase when I was using there pre-qual site on my TU, but those were explained easily when I thought about it, sinve have stopped.

Anonymous · ‎02-25-2015

@CreditCuriousity wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
How does one check soft pulls without ponying up money each time?
If you have an old report number from EX.. you can go through their dispute process online and look at your report. I just do not dispute anything and exit out.
http://www.experian.com/disputes/main.html
Hope this helps!!!!
Thanks! That worked. It looks like Cap One has been soft pulling the hell out of me too!

02/21/2015;
02/19/2015;
02/17/2015;
02/13/2015;
02/12/2015;
02/10/2015;
02/08/2015;
01/08/2015
lol wow... that is alot of softing by any creditor standards especially Cap1 lol. Sure you haven't been checking the pre-qual site those days? I had about a month of soft's from chase when I was using there pre-qual site on my TU, but those were explained easily when I thought about it, sinve have stopped.

I know my dates are not the dates that I would check Cap One pre-qual..... The last one was just on Monday... and like I said... the name comes up different... it stats CAP ONE instead of Capital One like normal..... Just weird......

Anonymous · ‎02-25-2015

Geez, check out Discover! Looks like they wanted me bad! They stopped when I apped and got approved.

08/29/2014;
08/22/2014;
08/15/2014;
08/08/2014;
08/01/2014;
07/25/2014;
07/18/2014;
07/11/2014;
07/03/2014;
06/26/2014;
06/20/2014;
06/13/2014;
06/06/2014;
05/30/2014;
05/22/2014