Capital One Soft Inquiry...What is RTPM?

[Anonymous]

RTPM = Real-Time Performance Management

It's an IT package that can be used for data collection & analysis, amongst other things.

[Anonymous]

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@DI wrote:

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@Anonymous wrote:

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@DI wrote:
PRM-CAPITAL ONE - RTPM   01/07/10

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do u have or had a cap 1 cc? i know this is what collections do when they are trying to find someone, i know this happen to me with an old bill back in 2001. er solution was the CA. (directv)..they did a soft pull on 06/09.....

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Yes, I have a 9 year old Cap One card.  No, the account isn't a collection account.  My credit is pristine.    I searched google without finding anything.  I doubt calling customer service will get me an answer.  

I guess Capital One invented some type of unknown acronym.  Maybe it means a long overdue CLI is nearing.  Wishful thinking.  

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hey i not mad at cha, cli sound umm umm good ...lol

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@DI wrote:
PRM-CAPITAL ONE - RTPM   01/07/10

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do u have or had a cap 1 cc? i know this is what collections do when they are trying to find someone, i know this happen to me with an old bill back in 2001. er solution was the CA. (directv)..they did a soft pull on 06/09.....

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It can't be a collections issue.  First of all, Equifax reports the pull as 'promotional."  Secondly, I have never had a CapOne account.

It also isn't the CapOne auto finance people because their promotional pulls are "PRM-CAPITAL ONE AUTO FINANCE"

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sorry this was meant for DI......

[Quader]

Prefix	Prefix Description
PRM	Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit or insurance.(PRM inquiries remain for twelve months.)
AM or AR	Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors.(AM and AR inquiries remain for twelve months.)
EMPL	Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months)
PR	Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing.(PR inquiries remain for 12 months.)
Equifax or EFX	Inquiries with these prefixes indicate Equifax's activity in response to your contact with us for a copy of your credit file or a research request.
ND	Inquiries with this prefix are general inquiries that do not display to credit grantors.(ND inquiries remain for 24 months.)
ND MR	Inquiries with this prefix indicate the reissue of a mortgage credit file containing information from your Equifax credit file to another company in connection with a mortgage loan.(ND inquiries remain for 24 months.)

[BarryNTexas]

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@DI wrote:

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@Anonymous wrote:

Just a wild guess here...

Could it possibly be related to a pre-app on the lender's website, to see which cards might be approved later with a hard pull? I'm thinking that the "RT" portion of that code may mean "Real Time", which could make sense. And it would be a promotional inquiry, just customer-initiated.

DI, did you do anything on Cap One's website earlier this month, such as check on other cards they might offer to you?

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Yes, I checked to see if I had any pre-approvals.  I do that every month and never saw the RTPM.  I was thinking RT means real time too.  

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I kinda have some marketing in my background and this acronym probably is "Real Time Product Management" 
But that's just a guess.