Reply
Frequent Contributor
Posts: 388
Registered: ‎10-26-2009
0

Re: Cap One Pre-approval Site - How Accurate?

DI

 

Thanks for your response.  My utilization is 0% as I do not have any debt.  My scores, when I checked in Oct were in the high 600's.  I was in Iraq from2006-2007 nd haven't used credit since then.  Just thinking that I may need a cc other than my Gov't cc which does not report to CRAs.

 

I know that pre-approvals are not guarantees; I was just wondering how accurate they could be with the little information they require compared to other sites and their "rate your credit" buttons. It seems to me to be little more than a way to get you to apply.



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Member
Posts: 9
Registered: ‎02-10-2008
0

Re: Cap One Pre-approval Site - How Accurate?

If I were you, I would seriously consider Navy Federal Credit Union.  Open to all branches of services and I believe some of the gov't workers. They are very generous with the credit lines and with scores in the 600's, they would be your new best friend! Check there web site to see if you can join because you WILL NOT regret it!! 
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Cap One Pre-approval Site - How Accurate?


Bigreg wrote:
If I were you, I would seriously consider Navy Federal Credit Union.  Open to all branches of services and I believe some of the gov't workers. They are very generous with the credit lines and with scores in the 600's, they would be your new best friend! Check there web site to see if you can join because you WILL NOT regret it!! 

+1  Start with a CU credit card.  

Regular Contributor
Posts: 242
Registered: ‎12-11-2012
0

Re: Cap One Pre-approval Site - How Accurate?

I received the same message to re-apply in 45 days?

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.