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Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012

How long after opting-in?

About how long after opting back in until you start receiving offers again (if you qualify of course)? 

 

 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: How long after opting-in?

The website says 1 week

 

i just opt in last night.

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Member
wonderandawe
Posts: 47
Registered: ‎05-22-2012

Re: How long after opting-in?

There is a website to opt back in?!?!  What is the address?

myFICO Equifax - 675 (June 2013)
myFICO TransUnion - 700! (June 2013)
Credit Karma - 682 (June 2013)
Starting Score - 603 (December 2012)

In the garden since 6/7/2013
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: How long after opting-in?


wonderandawe wrote:

There is a website to opt back in?!?!  What is the address?


same website -_-;

 

optoutprescreen.com


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Member
wonderandawe
Posts: 47
Registered: ‎05-22-2012

Re: How long after opting-in?

I opted-out over two years ago and I forgot the web address.

 

Thanks for your help! :smileyhappy:

myFICO Equifax - 675 (June 2013)
myFICO TransUnion - 700! (June 2013)
Credit Karma - 682 (June 2013)
Starting Score - 603 (December 2012)

In the garden since 6/7/2013
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: How long after opting-in?

https://www.optoutprescreen.com/?rf=t

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Contributor
jsucool76
Posts: 2,769
Registered: ‎12-11-2011

Re: How long after opting-in?

Takes something like a week or two. Even then you wont immediately begin getting pre approvals in the mail.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Regular Contributor
Mickey11
Posts: 240
Registered: ‎12-09-2011

Re: How long after opting-in?

What are the pros and cons of doing this? Should I opt out if I'm preparing to get a mortgage?


Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

Re: How long after opting-in?


Mickey11 wrote:
What are the pros and cons of doing this? Should I opt out if I'm preparing to get a mortgage?

Experts in the mortgage forums say to opt out before a mortgage app in order to minimize the chances of a rogue CA seeing ur mortgage search info and trying to "swoop in for the kill" at the last moment. U want no pulls on ur credit when ur shopping for a mortgage or trying to get approved. Opting in allows companies to soft pull ur info - u def dont want that if ur home shopping. . .

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
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