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Before anything. Id like to thank the people of this forum. Very helpful!
After getting my first report
i know I def need more lines or credit.
My report had a section that said "promotion inquiries"
companies I never applied for, but I always got their stuff in the mail.
Should i go I go ahead and apply for these " pre approved" or will it be a hard pull?
ignore the promotional inquiries they dont mean much. They will be hard pulls and doesnt not guarantee approval either. You dont know what criteria they used to generate leads from the credit bureau
I think they soft pulled your credit report to to send you those pre-approval letters, but if you were to apply for it, they will hp.
@mikemsceo wrote:Should i go I go ahead and apply for these " pre approved" or will it be a hard pull?
As stated above they SP'ed to determine to make the offer but applying will lead to an HP. Always assume an HP for new credit.
Pre=approved doesn't really mean much. It certainly doesn't mean approved.
@mikemsceo wrote:Before anything. Id like to thank the people of this forum. Very helpful!
After getting my first report
i know I def need more lines or credit.
My report had a section that said "promotion inquiries"
companies I never applied for, but I always got their stuff in the mail.
Should i go I go ahead and apply for these " pre approved" or will it be a hard pull?
PreApproval just means you meet the criteria they are seeking for that specific card. You still must be evaluated for consideration; HP.