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Regular Contributor
Posts: 245
Registered: ‎12-27-2012
0

Inquiry on CR after approval with a SP

Does a HP show up eventually after a CL is approved by a lender based on a SP?

I got a SP(pre approved, if that's what SP offer means) offer and I accepted it, apped it and got approved.

I haven't seen an HP on my CRs yet. 

Will a HP for this approval of a pre-approved (SP'd ) will ever appear on my CR?

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Valued Contributor
Posts: 1,292
Registered: ‎08-19-2012
0

Re: Inquiry on CR after approval with a SP

Most likely the company gave you a pre approval based off of a SP but once you actually applied they did a HP to verify your information.

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Regular Contributor
Posts: 125
Registered: ‎02-02-2013
0

Re: Inquiry on CR after approval with a SP

Probably depends on the lender. I accepted a preapproved card from Sam's Club and there was never a hard pull.
EX 805 FICO, EQ Fico 762; TU. 768Discover)
Mega Contributor
Posts: 15,446
Registered: ‎04-09-2011
0

Re: Inquiry on CR after approval with a SP


codesingh wrote:

Does a HP show up eventually after a CL is approved by a lender based on a SP?

I got a SP(pre approved, if that's what SP offer means) offer and I accepted it, apped it and got approved.

I haven't seen an HP on my CRs yet. 

Will a HP for this approval of a pre-approved (SP'd ) will ever appear on my CR?


What card is this that you applies to?




EQ FICO 548 3/3/16
Regular Contributor
Posts: 245
Registered: ‎12-27-2012
0

Re: Inquiry on CR after approval with a SP

LS2982, I didn't see any HP from FNBO (First Nat'l Bank of Omaha, amex). I got an invitation then accepted it but no HP yet.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
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Mega Contributor
Posts: 15,446
Registered: ‎04-09-2011
0

Re: Inquiry on CR after approval with a SP


codesingh wrote:

LS2982, I didn't see any HP from FNBO (First Nat'l Bank of Omaha, amex). I got an invitation then accepted it but no HP yet.


Sometimes it takes day or so for the HP  to show up, I'd check it this morning.




EQ FICO 548 3/3/16

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