@Curious_George2 wrote:
@OmarGB9 wrote:Are those coded as AR though?
TU: Yes.
EQ: Yes.
EX: SPs aren't displayed with type codes, so there's no way to tell.
I got nothing then. I've honestly given up trying to figure out Cap One's CLI process. There seems to be no rhyme or reason. Similar to Discover.
I'll defer to someone else that may have more insight on Cap One.
@Curious_George2 wrote:Apology accepted. Glad we're back on topic...
I had read the same thing about the frequency of CapOne's updates, but it turns out the conventional wisdom is not true, at least in my case. Here's a list of the times (that I know of) they have SP'ed me since April 1:
4/9/2020 TransUnion (Disappeared)
4/13/2020 Experian (Disappeared)
5/9/2020 TransUnion (Disappeared)
5/15/2020 Experian (Disappeared)
6/9/2020 TransUnion (Disappeared)7/4/2020 Equifax (Disappeared)
7/13/2020 Experian (Disappeared)
7/28/2020 Equifax
8/14/2020 Experian
9/9/2020 TransUnion
Ten times in five months. But when I look at my current reports, I can only see three of those -- one per CRA. Strikes me as inconsistent with the principle of telling consumers about inquiries.
Here is another thought: Have you tried their prequalify site for giggles or any other reason? It shows up plain old "Capital One" when you run a prequalification. Also, Auto Navigator shows up just as just "Capital One," or "Capital One N A." They may have run another promotional SP on you too, which makes it hard to tell the difference. When they did their last SP AR on me it was the same date, all three bureaus, and showed up as it's own little section separate from the other SPs from them. I think also this is very much a YMMV thing on different people's profiles too which makes it hard to collaborate and find some rhyme or reason to the madness lol. Don't beat yourself up over a Cap1 CLI, too. They're hard enough to get in good times, almost unheard of to get a decent one these days. Good luck though, and I hope you are able to snag a good one.
@Ficoproblems247 wrote:Here is another thought: Have you tried their prequalify site for giggles or any other reason? It shows up plain old "Capital One" when you run a prequalification. Also, Auto Navigator shows up just as just "Capital One," or "Capital One N A." They may have run another promotional SP on you too, which makes it hard to tell the difference. When they did their last SP AR on me it was the same date, all three bureaus, and showed up as it's own little section separate from the other SPs from them. I think also this is very much a YMMV thing on different people's profiles too which makes it hard to collaborate and find some rhyme or reason to the madness lol. Don't beat yourself up over a Cap1 CLI, too. They're hard enough to get in good times, almost unheard of to get a decent one these days. Good luck though, and I hope you are able to snag a good one.
Good thought re prequals, but nope. I haven't ever tried for a prequal on CapOne.
They're pulling my TU on the 9th of most months, EX on 14th, +/- 1 day, and EQ randomly. So I guess they have me on some kind of "watch like a hawk" program. I don't mind. My scores have been going up that whole time. I'm getting hotter every month, so they can check me out all they want! 
I know they're super tough to get CLIs from. That's what make hunting them good sport! I also know that most of the CLIs they are giving these days are in the three figures. I have accepted that reality. When I want big, predictable CLIs, I hit up Amex or BofA. CapOne provides something different: the thrill of the chase!
I also notice this! I see the same thing even if I'm accessing my reports directly via EX, EQ and TU.
Essentially, I'll see mile long lists of promotional inquiries from some lenders (I'm looking at you Comenity - stop stalking me!) and even from some non-lender institutions (like CenterPoint Energy), but my active lenders' SP's seem to fall off every 1st, 2nd, or 3rd SP.
