Reply
Highlighted
Frequent Contributor
Posts: 483
Registered: ‎06-07-2010
0

Guaging cc pre selected/approval status

[ Edited ]

So Eq is the only one that gives you the specific codes for the soft inquiries.  From what I read here and elsewhere PRM is useless. Name and address could never be used to give a firm offer of credit.  However PR would be a better indicator of your chances of final approval.  This is the reports the creditors pay for in bunches.  I'm wondering how much do they see is it report and score or just report and where else can you get this info from besides the EQ report?

 

I know this has probably been answered before but not under a thread started with the subject matter so its hard to search for.

 

Edit: BTW this is all in effort to help avoid the dreaded preapproval/selection with subsequent denial wasting an inquiry for those of us wondering why the heck am i asking

EQ 715 8-4-12 // Walmart TU 720 8-11-12 // TU 04 744 (cc pull) 8-23-12 EXP (cc pull) 707 8-23-12
~~In my wallet: Chase Freedom, Discover More , US Bank, Walmart Discover, CitiDividend Platinum Select , Target Red Card

Photobucket
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.