Reply
Established Contributor
namvet
Posts: 866
Registered: ‎09-22-2011
0

Re: Online PreQualify Sites

These links are not pre-selector sites.  Pre-qualify and pre-selector are not the same.  If you provide your full social security number, address and employment info, you have in fact applied for the card and are subject to a HP on one or all of your credit files. 

New Contributor
sweetschuni
Posts: 77
Registered: ‎10-16-2011
0

Re: Online PreQualify Sites


namvet wrote:

These links are not pre-selector sites.  Pre-qualify and pre-selector are not the same.  If you provide your full social security number, address and employment info, you have in fact applied for the card and are subject to a HP on one or all of your credit files. 



OMG! I hope this is not true. I went through all of the working sites yesterday for myself and my husband thinking that they would be soft pulls. Geesh!


Starting Score: 544
Current Score: 666
Goal Score: 700


Take the FICO Fitness Challenge
Regular Contributor
lovinlifeinkc
Posts: 154
Registered: ‎12-21-2011
0

Re: Online PreQualify Sites

I dont have the actual links but I know the following cards offer a pre-selector or pre-qualifier option

 

Orchard

Capitol One

Discover

American Express

 

I prequalified for Orchard and Capitol One to make certain I wasnt going to be offered a secured card. 

Discover and American Express both stated I would need to fill out an actual application. 

Starting Score Aug 2011 590/ Gardening until 2013!!
Current Score Walmart 683/ FICO Equifax 722/738/ 708 Transunion FICO 700/ 725 Credit Karma 648/678/
Goal Score 750
Credit Cards- Orchard $300, Capitol One $300/$500, Amazon $600/$1300 Pennys $700, Walmart $250/$700, Discover $2000, Chase $1500 Pending Citi/Declined Cit- Inquires and new credit....... GARDENING UNTIL 2013 or home loan time!!! Help me stay strong!!
Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011
0

Re: Online PreQualify Sites


lovinlifeinkc wrote:

I dont have the actual links but I know the following cards offer a pre-selector or pre-qualifier option

 

Orchard

Capitol One

Discover

American Express

 

I prequalified for Orchard and Capitol One to make certain I wasnt going to be offered a secured card. 

Discover and American Express both stated I would need to fill out an actual application. 


can u maybe help me find the orchard one?


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


Take the FICO Fitness Challenge

Long way to go ^_^
Regular Contributor
lovinlifeinkc
Posts: 154
Registered: ‎12-21-2011
0

Re: Online PreQualify Sites

http://www.orchardbank.com/ecare/homepage/ourappprocess

 

I was able to locate it.

 

Just a heads up.  I was preapproved on Dec 6.  I paid the $39 yearly fee immediately over the web.  They did not tell me how much I qualified for.

I did get an email about 10 days ago stating they were reviewing available funds.  I called yesterday and was told my card would "probably" be mailed on the 29th and my credit limit would "probably" be around $300.  

 

I would suggest Capitol One. 

Starting Score Aug 2011 590/ Gardening until 2013!!
Current Score Walmart 683/ FICO Equifax 722/738/ 708 Transunion FICO 700/ 725 Credit Karma 648/678/
Goal Score 750
Credit Cards- Orchard $300, Capitol One $300/$500, Amazon $600/$1300 Pennys $700, Walmart $250/$700, Discover $2000, Chase $1500 Pending Citi/Declined Cit- Inquires and new credit....... GARDENING UNTIL 2013 or home loan time!!! Help me stay strong!!
Regular Contributor
lovinlifeinkc
Posts: 154
Registered: ‎12-21-2011
0

Re: Online PreQualify Sites

Here is the Capitol One prequalifier site

 

https://cardfinder.capitalone.com/CapOne/findMyOffer.do?ex=R&pr=&id=&tg=34&pnt=ZUNS11ZZZZZZZZZZZZZZ&...

 

 

Starting Score Aug 2011 590/ Gardening until 2013!!
Current Score Walmart 683/ FICO Equifax 722/738/ 708 Transunion FICO 700/ 725 Credit Karma 648/678/
Goal Score 750
Credit Cards- Orchard $300, Capitol One $300/$500, Amazon $600/$1300 Pennys $700, Walmart $250/$700, Discover $2000, Chase $1500 Pending Citi/Declined Cit- Inquires and new credit....... GARDENING UNTIL 2013 or home loan time!!! Help me stay strong!!
Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011
0

Re: Online PreQualify Sites

The discover site is a soft pull, unless there is no offers and you apply. Then it's a hard. It says there it will not hurt your score.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Frequent Contributor
bostonte
Posts: 263
Registered: ‎10-04-2009
0

Re: Online PreQualify Sites


-Cain- wrote:
The discover site is a soft pull, unless there is no offers and you apply. Then it's a hard. It says there it will not hurt your score.


Discover is not a soft pull at that time -- it merely checks your entered information against their database of already prescreened offers and presents them to you if there was a match.

 

It's a soft pull in the sense that entering the information there (and not applying) will not result in a hard inquiry and is based on information generated from a soft pull -- but it does not pull and evalute your credit when you hit submit. 

 

Most of them operate the same way (Amex, Capital One, etc.).

 

Good things to check, but just keep in mind they aren't real time.

 

Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011
0

Re: Online PreQualify Sites

My EQ report shows soft pulls for the days when I tried it and saw no offers. When I finally had an offer, it was a hard for when I actually applied. That is my experience with it.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011
0

Re: Online PreQualify Sites

that orchard prequalifier doesnt have anything to fill out >_<


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


Take the FICO Fitness Challenge

Long way to go ^_^

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}