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Online PreQualify Sites

Epic Contributor

Re: Online PreQualify Sites


stone4779 wrote:

Capital One just did a hard inquiry on my equifax cerdit report after doing that "Pre Qualifier" must be new rules or something idk


OH NO, Id be calling real quick, those pre-qual can't pull hard until you click to apply.

Message 11 of 50
Valued Member

Re: Online PreQualify Sites

mannnn I just looked and they pulled ALL THREE CRAs! **bleep**!?

They said its an "account review" Thats BS!!!


Starting Score: 500s
Current Score: 780
Goal Score: 800+


Take the FICO Fitness Challenge
Message 12 of 50
Valued Contributor
Mega Contributor

Re: Online PreQualify Sites

Do these prequalfier websites work if you have a freeze on your reports?



EQ FICO 548 3/3/16
Message 14 of 50
Senior Contributor

Re: Online PreQualify Sites


LS2982 wrote:
Do these prequalfier websites work if you have a freeze on your reports?

Doubtful.

 

I'm opted-out and no site where one can check for pre-approved offers has ever come up with anything,


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 15 of 50
Senior Contributor

Re: Online PreQualify Sites


drkaje wrote:

LS2982 wrote:
Do these prequalfier websites work if you have a freeze on your reports?

Doubtful.   I'm opted-out and no site where one can check for pre-approved offers has ever come up with anything,


that's my experience, too.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 16 of 50
Moderator Emeritus

Re: Online PreQualify Sites


dalebb wrote:
 

u should have a sticky for this post



That post is almost 4 years old and the information might have changed (more than once) during that time.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 17 of 50
Mega Contributor
Valued Contributor

Re: Online PreQualify Sites


MarineVietVet wrote:

That post is almost 4 years old and the information might have changed (more than once) during that time.


And, Wamu has been out of business ever since Chase took them over!



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Message 19 of 50
Established Contributor

Re: Online PreQualify Sites

Another place i just tested was EXPRESS. When you check out online it will pop up saying you are pre-approved for their card. I just did a mock check out to see and sure enough it popped up with your pre approved message and 25% off first purchase or soemthing. 

$1200 $1250 $4250 NPSL $5300 $1350 $3000

$6050 $5000 $10500 $2416 $6500 $3000
Message 20 of 50