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My first pre-approval guess where its going...

Established Contributor

My first pre-approval guess where its going...

It's nice to finally be on the list for companies pre-approval consideration.This time last year my credit scores were in the mid 500's. But First Premier is not my idea of a great option.It will be going straight in the shredder.Now a Discover Card pre-approval would be a whole other thingSmiley Tongue

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 1 of 11
10 REPLIES
Valued Contributor

Re: My first pre-approval guess where its going...

It's always good to see your hard work paying off! Smiley Happy


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 11
Valued Contributor

Re: My first pre-approval guess where its going...

Definitely a great decision to shred anything from FP!
Message 3 of 11
Established Contributor

Re: My first pre-approval guess where its going...

Yes, it does feel good to be wanted because this time last year the only desire coming my way was from my lady. I want prime cards only and willing to do the work needed to get them.Time is moving fast we are nearly in november  and march is when my only collection falls off my credit file.I think my score will then be near the 740's. I'm eyeing Discover and Citi cards.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 4 of 11
Established Contributor

Re: My first pre-approval guess where its going...

I love a preapproval! I was weak when the amex from first national came in but yesterday one came in from citi and I shredded it FAST before temptation overtook me.....lol Now if Chase sends one for a freedom, we are gonna have a problem!! Smiley Happy
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 5 of 11
Frequent Contributor

Re: My first pre-approval guess where its going...

Aww.... you mean to say you're not willing to pay a company to rip you off?  


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 6 of 11
Valued Contributor

Re: My first pre-approval guess where its going...

its funny i got three discover pre approvals in a row. 

and shredded em all. 

 

then with my score actually going up. 

first premier and cap one started sending me approvals. 

hell no. lol. 

 

im already in with chase and amex so im good. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 7 of 11
Moderator Emeritus

Re: My first pre-approval guess where its going...

Lol.   You mean you didn't jump at the chance?    hahaha

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 11
Established Contributor

Re: My first pre-approval guess where its going...


creditnocash wrote:

its funny i got three discover pre approvals in a row. 

and shredded em all. 

 

then with my score actually going up. 

first premier and cap one started sending me approvals. 

hell no. lol. 

 

im already in with chase and amex so im good. 


lol First Premier sending offers LMAO glad you didn't take the bait, Amex would might cut you if you did =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 9 of 11
Valued Contributor

Re: My first pre-approval guess where its going...


distantarray wrote:

creditnocash wrote:

its funny i got three discover pre approvals in a row. 

and shredded em all. 

 

then with my score actually going up. 

first premier and cap one started sending me approvals. 

hell no. lol. 

 

im already in with chase and amex so im good. 


lol First Premier sending offers LMAO glad you didn't take the bait, Amex would might cut you if you did =)


cant forget credit one. at first i thought it was cap one. lol

 

and for some reason they all send at the same time. 

3 cap ones in like a week period. and my father got a cap one pre approval the same day i got mine. 

 

hmm targeted families =/

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 10 of 11