Capital One 3 pulls?

[The-Credit-Disciple]

Great morning Fico Fam

Can someone explain to me the Capital one 3 pulls thing more Clearly please? I heard someone say they love to triple dip

[K-in-Boston]

Any application with Capital One will result in a hard pull on Equifax, Experian, and TransUnion.  They always pull all 3.

[imaximous]

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@K-in-Boston wrote:

Any application with Capital One will result in a hard pull on Equifax, Experian, and TransUnion.  They always pull all 3.

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... and maybe unrelated, but they do that with auto loans too (got hit twice on all 3 bureaus for 2 car loans). I'd assume they do that with any type of lending. 

[JR_TX]

Yeah anytime you app for a C1 product they do at least 3 pulls! Could even be 4, 5, or 6 if you count LN, IRS/IDA, Sagestream, etc. I won’t even be surprised if they’re also pulling your FB, Twitter, etc...

[jbsilva21]

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@JR_TX wrote:
Yeah anytime you app for a C1 product they do at least 3 pulls! Could even be 4, 5, or 6 if you count LN, IRS/IDA, Sagestream, etc. I won’t even be surprised if they’re also pulling your FB, Twitter, etc...

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Don't forget FBI, NSA, CIA, USMS, and INS.

[The-Credit-Disciple]

Its getting close for me to app again. And i really want the Savor 1 card for the 3% dining and No Annual fee

[longtimelurker]

While it's certainly not a good thing for consumers, I think newer people might be confused by "triple pull" term.    It's just a single pull on each of the major CRAs.        So, if you look at say your TU report, Capital One will put a single pull there, no different from say what Barclays would do.   So an individual report is no more impacted than with any other issuer that does an HP, it's just it is on all of them.   IMO, this is a little less bad than what "triple" might imply, i.e. three HPs on one report.

[Thomas_Thumb]

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@JR_TX wrote:
Yeah anytime you app for a C1 product they do at least 3 pulls! Could even be 4, 5, or 6 if you count LN, IRS/IDA, Sagestream, etc. I won’t even be surprised if they’re also pulling your FB, Twitter, etc...

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Regarding 3B pulls...

Recently I spoke to a CSR about a CLI for my Fidelity rewards signature card. They now do a HP with each of the three credit bureaus with no soft pull option! - unbelievable.

Previously they only did a one bureau check (TransUnion) and there was an option for a soft pull. The change in who manages this CC portfolio and resultant shift in policy does not reflect positively on Fidelity.

Just for clarification: I am not saying that Fidelity Visa was transferred from Elan to CapOne. I am saying the CSR told me servicing had changed and the new policy (per the CSR) was a 3B hard inquiry. [other intel on this would be appreciated as I found her statement shocking]

[longtimelurker]

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@Thomas_Thumb wrote:

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@JR_TX wrote:
Yeah anytime you app for a C1 product they do at least 3 pulls! Could even be 4, 5, or 6 if you count LN, IRS/IDA, Sagestream, etc. I won’t even be surprised if they’re also pulling your FB, Twitter, etc...

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Regarding 3B pulls...

Recently I spoke to a CSR about a CLI for my Fidelity rewards signature card. They now do a HP with each of the three credit bureaus with no soft pull option! - unbelievable.

Previously they only did a one bureau check (TransUnion) and there was an option for a soft pull. The change in who manages this CC portfolio and resultant shift in policy does not reflect positively on Fidelity.

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Has it moved from Elan yet?   The application page still lists Elan.  

But I expect the impact on Fidelity to be minute anyway.   Most people don't know what a hard pull is(or that you can ask for CLIs for that matter)!

[AverageJoesCredit]

Regardless, 3 pulls for every card imo is excessive. I can live the 2 pulls even though i dont like it but having to pull all 3 too much for me. Everyone is different in how they view that so ill just be glad im not eligble for any Capitol One cards