Capital One differs from other credit card issuers in that they will pull from all three major credit bureaus: Equifax, Experian, and TransUnion. Keep in mind that most banks usually just pull one of your credit reports and to further reiterate the necessity for them to pull from all 3; they have a much differed consumer-base prioritizing on individuals with lower than adequate 640- credit scores that want to avoid any risk of further devalue towards their credit.
Editor’s Note: Keep in mind that with one bureau frozen, they will still do a triple pull spread over two bureaus. The frozen report will be substituted with a pull from another agency, which will then again be pulled.
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Conclusion:
Capital One are Sub-Prime Lenders, meaning that they usually focus on those with less than adequate credit scores below 640. They do a triple pull even with one of your reports being frozen (spread out 2 bureaus), so you should expect an impact on your TransUnion, Equifax, and Experian. Capital One is one of the lesser when it comes to chasing for sign-up bonuses, furthermore, Capital One is only recommended for those looking to improve their credit. In order for them to avoid the most risk for you as possible, Capital One will attain the utmost information possible. Also, you can find out which card is fit for you by checking out our complete list of Credit Card Promotions today!
