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Are credit bureaus the only source for pre-approval mailings?

Established Contributor

Are credit bureaus the only source for pre-approval mailings?

I'm trying to figure out what sources do credit card companies use as a way to find canidates for credit cards.Credit bureaus is one way but are there others? Do credit card companies use Myfico,or Credit Karma? Any other sources?

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
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Re: Are credit bureaus the only source for pre-approval mailings?


MountainHiker wrote:

I'm trying to figure out what sources do credit card companies use as a way to find canidates for credit cards.Credit bureaus is one way but are there others? Do credit card companies use Myfico,or Credit Karma? Any other sources?


The big 3 are where they pull from EX, EQ and TU are all business related.  myFICO, Credit Karma et al are consumer based.   Credit Karma is actually a FAKO and does not give you a FICO score rather their own rendition of a score.  General rule of thumb for a FAKO is +/- 200pts.  "give or take".

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
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