How Often Capital One Soft Pull?

AutoBot · ‎06-29-2016

I know that every time you click the CLI button on your Capital One account, it is just a soft pull. Is that a SP on demand each time or are they using a previous SP? So how often do they update a SP on you? Hopefully this makes sense.

Anonymous · ‎06-29-2016

They are using an old report. If/when they send a denial with your score, you'll see the date of the pull they used.

Anonymous · ‎06-29-2016

I think it's every 90 days. Or something close to that

RonM21 · ‎06-29-2016

Not often enough!!! But I think it is every few months.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

p- · ‎06-29-2016

AutoBot wrote: I know that every time you click the CLI button on your Capital One account, it is just a soft pull. Is that a SP on demand each time or are they using a previous SP? So how often do they update a SP on you? Hopefully this makes sense.

It's quarterly; I did some tests and logged the info:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/CREDIT-REBUILD-PROJECT-LOG/m-p/2644805/highli...