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I got my first "pre-selected" offer!

Regular Contributor

I got my first "pre-selected" offer!

I opted back in to receive credit offers about 8 months ago when I started getting serious about rebuilding my credit. I got 0 offers for those 8 months, but tonight I found a Citi Simplicity "pre-selected" offer in my mailbox! I'm not going to apply and I'm not even sure it really means anything, but man it's nice to feel wanted again! Smiley Happy


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


Take the FICO Fitness Challenge
Message 1 of 48
47 REPLIES
Valued Contributor

Re: I got my first "pre-selected" offer!


jla84 wrote:

I opted back in to receive credit offers about 8 months ago when I started getting serious about rebuilding my credit. I got 0 offers for those 8 months, but tonight I found a Citi Simplicity "pre-selected" offer in my mailbox! I'm not going to apply and I'm not even sure it really means anything, but man it's nice to feel wanted again! Smiley Happy



I can feel the warm fuzzies all the way over here.... Smiley Wink


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 2 of 48
Valued Contributor

Re: I got my first "pre-selected" offer!

I've received 2 in the last 1.5 months since starting to rebuild (again). The 2nd one was today from First Preimer Smiley Very Happy for $700 CL

 

Trashed.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 3 of 48
Established Contributor

Re: I got my first "pre-selected" offer!


jla84 wrote:

I opted back in to receive credit offers about 8 months ago when I started getting serious about rebuilding my credit. I got 0 offers for those 8 months, but tonight I found a Citi Simplicity "pre-selected" offer in my mailbox! I'm not going to apply and I'm not even sure it really means anything, but man it's nice to feel wanted again! Smiley Happy



Amen to that!



Message 4 of 48
Regular Contributor

Re: I got my first "pre-selected" offer!

Congrats jla and repo!
Started with an Orchard secured 4 years ago. Now: House, Car, NFCU Rewards Signature, Citi AAdvantage, Discover More, Capital One Platinum, Walmart, AMEX BCE
Message 5 of 48
Established Contributor

Re: I got my first "pre-selected" offer!

I have never received offer for cards before Smiley Surprised I may have opted out before I had turned 18 so I wasn't tempted. Now that I have proven to myself I am a responsible cardholder, is there a way to opt in? I only receive the invites to app for the Gold Delta Skymiles card, but I think thats because I am a skymiles member, and have an Amex Zync...

Message 6 of 48
Regular Contributor

Re: I got my first "pre-selected" offer!


logan_720 wrote:

I have never received offer for cards before Smiley Surprised I may have opted out before I had turned 18 so I wasn't tempted. Now that I have proven to myself I am a responsible cardholder, is there a way to opt in? I only receive the invites to app for the Gold Delta Skymiles card, but I think thats because I am a skymiles member, and have an Amex Zync...


You can go to this website to make sure you're opted in: www.optoutprescreen.com


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


Take the FICO Fitness Challenge
Message 7 of 48
Established Contributor

Re: I got my first "pre-selected" offer!

Thanks Smiley Happy Can't wait to see what they have in store for me.

Message 8 of 48
Regular Contributor

Re: I got my first "pre-selected" offer!


logan_720 wrote:

Thanks Smiley Happy Can't wait to see what they have in store for me.


It might take a while! lol! It did with me.


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


Take the FICO Fitness Challenge
Message 9 of 48
Established Contributor

Re: I got my first "pre-selected" offer!

Well, you said you didn't receive offers for the * months or so while you were rebuilding, since I am somewhat up the FICO latter, and somewhat in "prime" world, I wonder if it will be the same...

Message 10 of 48