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Valued Contributor
Posts: 2,435
Registered: ‎11-29-2012
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Got my first pre-approval

[ Edited ]

My BK7 discharges in about 10 days or so and I've already received my first cc pre-approval offer. From Fingerhut. So yay me, only the worst of the sub-primes want me. Why am I getting this anyway, I've opted out so I shouldn't be receiving anything like this.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
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Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
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Re: Got my first pre-approval


starry1 wrote:

My BK7 discharges in about 10 days or so and I've already received my first cc pre-approval offer. From Fingerhut. So yay me, only the worst of the sub-primes want me. Why am I getting this anyway, I've opted out so I shouldn't be receiving anything like this.


Depending on what credit, loan, and/or bank companies you have, some of them can and will share you information to other companies (usually their parent/sibling/child companies), regardless if you want them to or not. Each company should have paperwork that discloses this information to you. Are you with the company that backs the Fingerhut account for any products? Then they are usually allowed to soft your account periodically to give you preapprovals for their other products!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 747 VantageScore 3.0: EX 741 EQ 748 TU 747 Credit Sesame (EX) 753 Credit.com (EX) 780 CapOne (TU) 787 Quizzle (EQ) 749
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