How often does Cap1 pull CR for CLI

Anonymous · ‎11-19-2016

My understanding is that they don't SP you at the time of a CLI request, but rather use their last SP on file which I have heard is usually a month or two old. But, again, I find that sort of bogus as CO must be hitting everyone with a weekly SP in some regard in order to obtain profile info in order to do their VS 3.0 update (Credit Wise).

SouthJamaica · ‎11-19-2016

@Anonymous wrote:
So I got low balled with my CLI offer from cap1 and I'm certain it's because I had high UTI. I've cut it down from 41% to 20%.

How often does Cap1 SP my reports for the CLI request? Is it monthly? Or random? Please provide some input seasoned Cap1 members! Thanks!

Every CLI denial I've gotten from them which referred to a credit report and score referred to a FICO 5 EQ score from 1.5 to 2 months earlier. So I believe that they pull an EQ report every month, and that it's already a month old when they get it.