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Inquiries

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SyntheticMemories
Established Member

Inquiries

Yesterday I was able to get my experian report through AMEX. There are 4 hard pulls...one of course for AMEX, one for my Lane Braynt card, my car loan, and then we have one for Capital One Financial .I honesly don't remember doing anything through Capital One, is there any way to figure out what it might have been for? It's scheduled to be on my account until Jan 13'

Wallet: Citi Foward; 10,000, Lane Bryant; 1,800. AMEX BCE: 2,000 Discover IT: 7,200


Starting Score: 738 (2-27-12)
Current Score: Equifax: 786 (1-24-14) Experian: 749 TransUnion: 772 (4-17-12)
Goal Score: 760 across all 3


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Message 1 of 6
5 REPLIES 5
Tonya-E
Established Contributor

Re: Inquiries

It should give you the name and address for the capital one financing place.  You can look up the phone number online with that infor.  Or it may even provide a phone number for them.  Question though, did it happen around the same time as your car loan?  If you went to the dealership they may have run your credit through multiple sources for approval.  That sounds like the car loan part of Cap 1.

Wallet: Amex BCP-45k| Barclays Rewards MC-26.3k| Citi Thank You Preferred-27.5k| Citi Double Cash-14k| Target MC-11.5k| Walmart MC-7.5k| Chase Freedom Unlimited Signature-6k


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Message 2 of 6
pizzadude
Credit Mentor

Re: Inquiries

I agree ~ it could be from your auto financing. And if the HP occurred in Jan 2011 then it isn't hurting your score. Inquiries show on your report for 2 years but only ding your score for one year.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 6
SyntheticMemories
Established Member

Re: Inquiries

The address is for capt one auto finance. The date of request for the inq was 12/18/1009. I went in with my dad in March of 2009 looking at cars, he bought the car that month and I made payments. In Auguest of 2011 the auto loan was transfered to me. Dec of 2010, I can't think of ANYTHING auto releated that would have gone on.

 

Drat. 

Wallet: Citi Foward; 10,000, Lane Bryant; 1,800. AMEX BCE: 2,000 Discover IT: 7,200


Starting Score: 738 (2-27-12)
Current Score: Equifax: 786 (1-24-14) Experian: 749 TransUnion: 772 (4-17-12)
Goal Score: 760 across all 3


Take the FICO Fitness Challenge
Message 4 of 6
pizzadude
Credit Mentor

Re: Inquiries

Are you certain that the Inquiry is from Dec 2009 ? It shouldn't be on your reports if that is the case. How long ago did you pull this report ?
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 5 of 6
SyntheticMemories
Established Member

Re: Inquiries

Pulled the report yesterday from Experian (AMEX). It def says Dec 18 2010. 

Wallet: Citi Foward; 10,000, Lane Bryant; 1,800. AMEX BCE: 2,000 Discover IT: 7,200


Starting Score: 738 (2-27-12)
Current Score: Equifax: 786 (1-24-14) Experian: 749 TransUnion: 772 (4-17-12)
Goal Score: 760 across all 3


Take the FICO Fitness Challenge
Message 6 of 6
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