Capital One Soft Inquiry...What is RTPM?

[DI]

PRM-CAPITAL ONE - RTPM   01/07/10

[Anonymous]

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

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Good question! 

I get those every month like clockwork.  Hopefully someone knows what it means.

[Anonymous]

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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.....

[Anonymous]

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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"

[haulingthescoreup]

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

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"Rate Promo" offer, maybe? And you're right, the PRM- prefix means it's a soft promo inquiry, just checking your general credit profile and demos, without seeing the details.

I agree, good question. Google was no help.

[DI]

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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.  

[Anonymous]

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?

[daisyduke]

I have one as well Capital One Bank RTPM  - On my TU credit report it states -(went in through the back door today, yes!)

"Promotional Inquiry" - companies recieved name, address and other limited information about you so they could make a firm offer of credit or insurance.  They did not recieve your full credit report.  These inquiries are not seen by anyone but you and do not affect your credit score.

 I'm opted out now so that happened prior to opting out...

[DI]

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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.  

[DI]

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@daisyduke wrote:

I have one as well Capital One Bank RTPM  - On my TU credit report it states -(went in through the back door today, yes!)

"Promotional Inquiry" - companies recieved name, address and other limited information about you so they could make a firm offer of credit or insurance.  They did not recieve your full credit report.  These inquiries are not seen by anyone but you and do not affect your credit score.

 I'm opted out now so that happened prior to opting out...

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Thanks, I opted out from promos years ago. I haven't received any offers in the mail.