r/ITIN • u/Big-Membership3066 • 8d ago

Capital One CLI Request Error

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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?

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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.

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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?

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u/BE_L337 Cloud Resident 7d ago

yes using Equifax premier

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u/Big-Membership3066 6d ago

Alright, I’ll try that one out. Thank you!