06-07-2009 10:58 PM
By the way is there any reason why I don't get pre-approved on BOA website? I have good history and scores
If you've ever had a CO with BofA or with MBNA, then they will not preapprove you for a card regardless of scores.
06-08-2009 04:13 AM
06-08-2009 01:12 PM
06-08-2009 03:03 PM
06-09-2009 05:43 AM
Also, if you're opted-out, you won't get any pre-approvals from anywhere. They need to be able to soft your accounts for a pre-approval.
The exception to this would be an issuer that you already have a relationship with. Some use internal history.
06-10-2009 12:51 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.