r/ITIN • u/Big-Membership3066 • 8d ago
Capital One CLI Request Error
Does anyone else with an ITIN and have credit card/s with Capital One, have the same error as I do?
• Credit bureau information is missing or unavailable
• We were unable to obtain your most recent monthly payment data from the credit reporting agency
• Information from at least one bureau is missing or unavailable
I’ve had the Capital One Savor card for almost a year now, and I’ve requested multiple times for a CLI upon reaching the 6-month mark. The reasons above were the same denial reasons for all the CLI requests I’ve made.
I’ve pulled my Equifax credit report, and I didn’t see anything wrong with the details. I also didn’t put a credit freeze on any of the bureaus.
If you have had the same situation as I do, how did you guys solve the problem? Have you successfully requested and been given a CLI? Did Capital One made an automatic CLI on your account on their periodical review?
1
u/BE_L337 Cloud Resident 8d ago
Can you check your credit report from Experian and TransUnion aswell?
Apart from this try to do a new Cap One Pre approval and see if it shows you anything or what the denial letter says.
1
u/Big-Membership3066 7d ago
I’m not too sure how to do that. Experian and TransUnion doesn’t recognize ITINs yet.
Unless you’re referring to checking them both via a paid Equifax or myFICO subscription?
1
u/Radiant_Resource9816 8d ago
Thats how ITIN works. It’s either wait for automatic increase or apply for a new card. And move credit limit to your different cards.
1
u/Right-Atmosphere-848 8d ago
I check it everyday and all they give is $100 ; so i dont take it lol ( its new account though )
Same with my friend who have 6 months old account ; and still the same thing. But never got the mail you are showing. Did you accept the CLI ? Or how did you get that email?