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I haven't apped for anything since 08 August.
Util is creeping downward, nothing special. FICO is creeping upward, no leaps or bounds.
Got a pre approval for First Premier last week...puke...still, it IS a pre approval.
Got a pre approval today for Spring leaf financial...not going to bite, but it's another pre approval...
Since my scores have gone up I am also getting a lot of pre approvals. Cap 1 keeps wanting me to buy a car....
i got something from springleaf but i threw it away...bad news lol...and yeah cap one wants me to buy a car too...
I never get any preapprovals except BoA and subprime cards, but I usually get approved instantly for whatever I apply for. I don't get how it works.
@nickn86 wrote:I never get any preapprovals except BoA and subprime cards, but I usually get approved instantly for whatever I apply for. I don't get how it works.
Me too. I always get approved instantly(except CASH+). The funny thing is if I let a large(2-3K) balance report I will get better pre-approvals. I think on their soft pulls they think I'm a credit deadbeat aka Large available CL but only a $100 reported balance.
@youngandcreditwrthy wrote:
Capital One DEF wants me to buy a car....up to $30,000! Haha :-P
Like, weekly!
@QAMngrGirl wrote:
@youngandcreditwrthy wrote:
Capital One DEF wants me to buy a car....up to $30,000! Haha :-PLike, weekly!
I mean its like every other day...NOOO I don't want to finance a 30k car with you Cap1 that is why I haven't responded to the 2000 mailers you have sent me.
I probably need to wait til I get a years worth of history first to get some from subprime lenders. lol