Re: Re: Re: Re: Got a Cap One question: i called cap one to see which bureau they pull and how they determine limits/rates etc before i am willling to let them pull credit. i got three different morons that told me its random and they don't know which one gets pulled and that it varies (???). i asked which one they had their contract to pull reports from and they told me they dont know. i looked at the whopulledmycredit and it says 100% experian - but i know this isn't true. i've heard rumors that they pull all three and use the average score to determine rate/limit. any thoughts?
Re: Re: Re: Re: Re: Got a Cap One APPLICATIONS ARE ALL 3 MOST OF THE TIME...SOMETIMES 2...VERY RARELY ONLY 1
Re: Re: Re: Re: Re: Got a Cap One They're partnered with Equifax, if this helps. Also, I noticed they pulled PRMs on all 3 of mine every month, sometimes twice a month. I feel stalked, LOL!
Re: Re: Re: Re: Re: Got a Cap One When I just applied for a K-Mart Card that I didn't notice was by Cap1, they pulled TU + Experian.
Re: Re: Re: Re: Re: Got a Cap One i noticed on a lot of the reports i see daily if they have cap one it is either TU or Experian or both. I have never seen an Equifax pulled - but that doesn't mean they don't. i got a pretty good offer in the mail the other day and i don't want to waste an inquiry if i don't have a chance. my worst score right now 630 for Equifax.
