It’s a common minor technical issue
It simply means that Capital One refused you credit card application because they can’t access your credit reports, and there for don’t know if it’s safe to lend you money.
There are several possible reasons for this:
- Your SSN, birth date, name and/or address may have been entered incorrectly on you applicatioin form. In that case simply correct the information and re-apply.
- Your credit reports may be too “thin”, meaning that your recorded credit history is shorter than 12 months. In this case the credit bureaus report your information as “missing or unavailable”. You will need to wait until you have 12 month of recorded information and re-apply.
- You may have no credit history at all because you haven’t used credit yet. In that case you’ll need to start building credit history.
- There may be error(s) on your credit reports. If this is the case you need to pull your reports and check them
Whenever you are denied credit because of your credit, you have a right to receive a free credit report from the credit bureau(s) whose details were uses on top of your free annual credit reports. Since you were denied credit because your “credit bureau information is missing or unavailable”, use you privilege and pull your free credit reports from all 3 relevant credit bureau and get down to the bottom of the problem.
See credit-bureau-information-is-missing-or-unavailable for more information.