Hi there. I just read another post about Chase doing a soft pull to determine if they wish to send a pre-approval offer. Chase has not been softing my CR's and was wondering how they know whether or not to take a look at my records. I know that sometimes CCC's will soft pull if you had been a previous card holder, but does anyone else know of the ways CCC's have of getting you in their sights?
My initial thought is that they purchase lists from a direct marketing company of people who are known to currently be seeking credit (new credit card accounts, etc.).
Does anyone have any inside info?
With FICO, time heals all wounds.
Nice. Thanks, DI.