topic Re: Pre screened offers continue in Credit Cards

Pre screened offers continue

Duncanrr — Thu, 17 Jan 2013 00:41:50 GMT

Got pre-screened offer in mail today for first national of Omaha (second pre-screen from them) and Matrix discover (with a stellar 27% apr).

At least they are still coming in. Nothing from Chase, Citi, Barclays or Amex yet.

Re: Pre screened offers continue

Walt_K — Thu, 17 Jan 2013 00:46:12 GMT

Is there a reason you shouldn't be getting them? Did you opt out or something?

Even if you opted out, there are two issues. First, it sometimes takes a while, and some people report having to confirm it went through and perhaps doing it again. Second, you can still receive offers. It is not a do not mail list. They can't get access to your credit reports, but you could already be on their lists and/or they could get access to your info in other ways.

Re: Pre screened offers continue

astritaho1979 — Thu, 17 Jan 2013 00:46:31 GMT

No offense but your scores are kindof low for that.They really dont go out there much anyways

Re: Pre screened offers continue

Duncanrr — Thu, 17 Jan 2013 00:47:57 GMT

My credit was so bad for so long I never got any so just getting them is a good thing. Other than Discover It, I haven't gotten one I wanted yet.

Re: Pre screened offers continue

Duncanrr — Thu, 17 Jan 2013 00:53:50 GMT

astritaho1979 wrote:
No offense but your scores are kindof low for that.They really dont go out there much anyways

I don't understand what you are trying to say in this post. My TU on Walmart is 730's (703 on Amex pull), ex is 720's and EQ is 680's. these are not low scores. And who is they and where do they not go much?

Re: Pre screened offers continue

astritaho1979 — Thu, 17 Jan 2013 00:55:13 GMT

Duncanrr wrote:
astritaho1979 wrote:
No offense but your scores are kindof low for that.They really dont go out there much anyways
I don't understand what you are trying to say in this post. My TU on Walmart is 730's (703 on Amex pull), ex is 720's and EQ is 680's. these are not low scores. And who is they and where do they not go much?

I was refering to the preapprovals

Re: Pre screened offers continue

calihlove75 — Thu, 17 Jan 2013 00:58:24 GMT

Duncanrr wrote:
astritaho1979 wrote:
No offense but your scores are kindof low for that.They really dont go out there much anyways
I don't understand what you are trying to say in this post. My TU on Walmart is 730's (703 on Amex pull), ex is 720's and EQ is 680's. these are not low scores. And who is they and where do they not go much?

Your scores are not considered low. You have made great progess ;)

Re: Pre screened offers continue

09Lexie — Thu, 17 Jan 2013 00:59:33 GMT

Sorry on my iPhone so can't quote but Duncanrr your scores are great! I have no idea what the other poster is talking about!

Re: Pre screened offers continue

astritaho1979 — Thu, 17 Jan 2013 01:03:56 GMT

Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2

Walt_K wrote:
Is there a reason you shouldn't be getting them? Did you opt out or something?

Even if you opted out, there are two issues. First, it sometimes takes a while, and some people report having to confirm it went through and perhaps doing it again. Second, you can still receive offers. It is not a do not mail list. They can't get access to your credit reports, but you could already be on their lists and/or they could get access to your info in other ways.

k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth

Re: Pre screened offers continue

visorboy1974 — Thu, 17 Jan 2013 01:09:17 GMT

astritaho1979 wrote:
Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth

I'm barely at 700 (with a BK7 on my reports) and have 8 major credit cards with an average of $13,500 limit. Did I slip through the cracks? Obviously YMMV...every profile differs.

Re: Pre screened offers continue

jake619 — Thu, 17 Jan 2013 01:10:55 GMT

I know the feeling. I used to have killer credit - messed that up. Forever I didn't get any mailers, almost as if I opted out. Just the other day I got the Matrix garbage myself. I literally LOL'd as I read the fee table. It was brutal.

I don't think the type of offer is as telling as the fact you (and I) seem to be attracting interest again. It can't be a bad thing (unless you app for Matrix) :smileyhappy:

Re: Pre screened offers continue

astritaho1979 — Thu, 17 Jan 2013 01:13:15 GMT

visorboy1974 wrote:
astritaho1979 wrote:
Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth
I'm barely at 700 (with a BK7 on my reports) and have 8 major credit cards with an average of $13,500 limit. Did I slip through the cracks? Obviously YMMV...every profile differs.

iam glad you have a good limits

Re: Pre screened offers continue

lylesvegas — Thu, 17 Jan 2013 01:13:34 GMT

LOL..... This guy is cracking me up !!!!!!!!!

Re: Pre screened offers continue

jake619 — Thu, 17 Jan 2013 01:14:30 GMT

astritaho1979 wrote:
Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth

You are aware more goes into a CL assignment than FICO, right? BTW - you're about to start a flame war...

Re: Pre screened offers continue

astritaho1979 — Thu, 17 Jan 2013 01:16:36 GMT

jake619 wrote:
astritaho1979 wrote:
Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth
You are aware more goes into a CL assignment than FICO, right? BTW - you're about to start a flame war...

are you refering to me or its just what you just said dont make any sense for real

Re: Pre screened offers continue

visorboy1974 — Thu, 17 Jan 2013 01:20:21 GMT

astritaho1979 wrote:
jake619 wrote:
astritaho1979 wrote:
Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth
You are aware more goes into a CL assignment than FICO, right? BTW - you're about to start a flame war...
are you refering to me or its just what you just said dont make any sense for real

You might want to read your sentence before you try to rip on someone else's grammar. :smileytongue:

Re: Pre screened offers continue

jake619 — Thu, 17 Jan 2013 01:22:25 GMT

astritaho1979 wrote:
jake619 wrote:
astritaho1979 wrote:
Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth
You are aware more goes into a CL assignment than FICO, right? BTW - you're about to start a flame war...
are you refering to me or its just what you just said dont make any sense for real

Talk about who makes no sense... grammar matters. Yes, I was referring to you. You're implying a FICO score drives CL's. I'm telling you more goes into it than that. You can start with income and work your way through the other non-financial metrics such as employment.

Re: Pre screened offers continue

CreditWorld2013 — Thu, 17 Jan 2013 01:25:43 GMT

visorboy1974 wrote:
astritaho1979 wrote:
jake619 wrote:
astritaho1979 wrote:
Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth
You are aware more goes into a CL assignment than FICO, right? BTW - you're about to start a flame war...
are you refering to me or its just what you just said dont make any sense for real
You might want to read your sentence before you try to rip on someone else's grammar. :smileytongue:

This guy is a real character. Every thread he joins or creates...ends with a "Locked Thread and Under Moderator Review."

As for the OP: Your scores are good...some people are just grumpy.

Re: Pre screened offers continue

astritaho1979 — Thu, 17 Jan 2013 01:53:46 GMT

jake619 wrote:
astritaho1979 wrote:
jake619 wrote:
astritaho1979 wrote:
Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth
You are aware more goes into a CL assignment than FICO, right? BTW - you're about to start a flame war...
are you refering to me or its just what you just said dont make any sense for real
Talk about who makes no sense... grammar matters. Yes, I was referring to you. You're implying a FICO score drives CL's. I'm telling you more goes into it than that. You can start with income and work your way through the other non-financial metrics such as employment.

I am not going to get in to a Vague philosophical debate with you right now.I was sugesting to the po here in to what is the best course of action in his situtation

I really dont need you to tell me how is my grammar in to this forum.Have a nice day

Re: Pre screened offers continue

tennisfan78 — Thu, 17 Jan 2013 02:37:08 GMT

Duncanrr wrote:
Got pre-screened offer in mail today for first national of Omaha (second pre-screen from them) and Matrix discover (with a stellar 27% apr).

At least they are still coming in. Nothing from Chase, Citi, Barclays or Amex yet.

It sure is a nice feeling to get pre approved offers, isnt it? I think it is only a matter of time before you start getting from the above mentioned lenders!