credit card information
Question
Capital One Credit card?
I got a "pre-approval" letters from Capital One, ofcourse its just junk, but something in there cought my eye. "We've recently reviewed your credit information", but is that even legal for them to do that, I know the answer would be yes if I contacted them, and was a "potential consumer", but I wasn't.
2 years ago - 4 answers
Best Answer
Chosen by Asker
It is legal as long as they did what is known as a "soft" pull, that simply means they didn't pull a complete credit report (which is a "hard" pull) Soft pulls do not show to anyone pulling your credit report nor do they count as an inquiry. IF you respond to the offer then Capitol One will likely do a hard pull before actually approving your for a credit card. As someone else mentioned, if you don't want to get pre-approval offers in the mail then you should "opt-out"
Source(s)
by Craig T
2 years ago
Asker's Rating: 
Other Answers
yea
by wannabefree- 2 years ago
They do not see your entire credit report from offers like this. The inquire for accounts that meet a certain criteria and the Agency release your name. OPT OUT!
by gracie- 2 years ago
Every credit card companies has networks with other credit card companies. They may got your details to one of their partners. If you're considering applying for a Capital One Cards, check this out. They have the list of best rewards credit card. www ...
by Sarah- 2 years ago
As long as it wasn't a hard pull it is legal to do so.
by ms.toni67- 2 years ago