Food for thought!

[coldnmn]

When someone posts a link on the forum to a pre qualify site. What if it was a scam to get your personal information. I don't believe its happened yet but something to think about.

[FinStar]

You bring up a very good point coldnmn.

[longtimelurker]

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@coldnmn wrote:

When someone posts a link on the forum to a pre qualify site. What if it was a scam to get your personal information. I don't believe its happened yet but something to think about.

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Great idea!

Hey everyone, really useful prequal site for ALL issuers, http:/www.scamme.tu  just enter name, address, SSN and, for security, full details of one of your existing credit cards.

[JediNeo]

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@longtimelurker wrote:

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@coldnmn wrote:

When someone posts a link on the forum to a pre qualify site. What if it was a scam to get your personal information. I don't believe its happened yet but something to think about.

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Great idea!

Hey everyone, really useful prequal site for ALL issuers, http:/www.scamme.tu  just enter name, address, SSN and, for security, full details of one of your existing credit cards.

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So I tried the link and said I'm qualified for First Premier. Seems like a really attractive offer.

On a serious note, please be cautious where you enter your info.

[uswala]

I think prequalify sites are secure sites, i.e. using https protocol. May be we should keep an eye on that.

[longtimelurker]

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@uswala wrote:

I think prequalify sites are secure sites, i.e. using https protocol. May be we should keep an eye on that.

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?   https just secures the communication between the browser and the server.  Says little about the authenticity of the site.  

ETA: authenticity in the sense of it being a non-malicious site.  

[CreditMagic7]

Excellent reminder. Thanks for bringing it up.

[uswala]

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@longtimelurker wrote:

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@uswala wrote:

I think prequalify sites are secure sites, i.e. using https protocol. May be we should keep an eye on that.

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?   https just secures the communication between the browser and the server.  Says little about the authenticity of the site.

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I agree. But usually if some scammer posts a link it will not be a https link.

[iwazl71]

Make sure you check the SSL certificate.  Most prime lenders if not all use extended validation 3rd party certificates from reputable Certificate Authorities.  The Extended Validated SSL certs are typically green in the address bar and if you click on the certificate information, it should tell you the company it's assigned to, ie Citigroup, Inc.  They require higher levels of corporate validation in order to acquire the certificate.

[longtimelurker]

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@iwazl71 wrote:

Make sure you check the SSL certificate.  Most prime lenders if not all use extended validation 3rd party certificates from reputable Certificate Authorities.  The Extended Validated SSL certs are typically green in the address bar and if you click on the certificate information, it should tell you the company it's assigned to, ie Citigroup, Inc.  They require higher levels of corporate validation in order to acquire the certificate.

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Yes, I agree for those for a particular bank.  But there the advice should always be go to the bank home page and find the preapproval link from there.

I was more thinking of something like cardmatch, where there isn't an obvious institution to check for.