Posted by William Charles on September 7, 2016
Credit Cards

Published on September 7th, 2016 | by William Charles

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What Credit Bureau Does Capital One Pull?

What Bureau Do They Pull?

Unlike other card issuers, it isn’t necessary to look at data for each state when it comes to Capital One and what credit bureau they will pull. That’s because unfortunately they will pull credit reports from TransUnion, Equifax & Experian. It isn’t clear why Capital One does a triple pull when other banks usually only pull one of your credit reports.

Most likely it’s due to the fact that focus on consumers with sub prime credit and want to reduce their risk by getting the most complete information possible.

You can read other posts in this series by clicking below:

What Happens If Your Report Is Frozen?

If you have one of your reports frozen, it’s still possible to get approved for credit cards with Capital One. In fact it’s still possible to get instant approval. If you have more than one report frozen, then it won’t work. From the data we’ve seen you can have Experian or TransUnion frozen, but never Equifax. More information can be viewed here. 

Our Verdict

The fact that Capital One does this triple pull (or even double pull with one report frozen) makes them a less attractive option for most people chasing sign up bonuses. That being said, as other banks crack down on their application rules it’s likely that cards from Capital One will become more attractive. I’d recommend reading this post for more information about Capital One credit cards.



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Gman
Gman

AKA Crapitol One

Wth is wrong with them that they have no consideration and pull all bureaus

Raul
Raul

The post explains that they are a subprime lender. When my wife had bad credit they were the only ones who would offer her a credit card. So nothing really wrong with them they just have a different customer base. If u don’t want a triple pull don’t apply for credit from them that simple.

Steve
Steve

With one bureau frozen they are still doing a triple pull (spread over two bureaus). The frozen report is substituted with a pull from another agency, which they’ll pull again as part of their regular process flow.

milesjjcc

I see they are pulling ARS/Sagestream as well

Jason
Jason

I always wondered, why does it have to be a hard pull? Do they get more information about your credit from a hard pull than a soft pull? I mean I can see taking 1 hard pull to let other creditors know you may be looking for credit, but why not do the other two soft pulls?

Cristi

Capital One Venture card was the first card I’d opened purely for the bonus. Wish I’d known about the triple pull then!

Markie
Markie

I’m sure no one wants it, but the GM card only pulls EQ.

Ovid
Ovid

Note: Co-Branded GM Buy Power only pulls Equifax for some reason. World Elite MC w no annual fee. Decent Builder card as they will issue with low limits to lower scores.

Austin
Austin

I got the quicksilver for the intro bonus 100 bucks back for spending 500 in the 1st 3 months. Not sure if that’s still going on. Only opened 5 new accounts in the last 2 years so the inquiry on each of the 3 bureaus didn’t hurt as much as if I had double the new accounts in the same time frame. Having said that I doubt I’ll get another Capital One card unless they have a great intro bonus or other perks.

Ecmomtg
Ecmomtg

Trans union is so difficult to deal with I didn’t unfreeze it and that is the reason for denial of a capital one credit card

Slidellian
Slidellian

Just a note… Cap One also pulls all three bureaus for their businsss credit cards.

dk
dk

If I have equifax un frozen and experian and transunion frozen will they still issue? immaculate history and 2/24

BETTY COPPER
BETTY COPPER

SO DOES THAT MEAN I CAN HAVE ALL BUT EQUIFAX FROZEN AND STILL APPLY AND GET APPROVE OR I CAN ONLY FREEZE ONE?

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