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Frequent Contributor
Posts: 293
Registered: ‎03-08-2013
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Pre-approvals offers in the mail

I have notice since rebuilding my credit in March 2013, for the past couple of weeks/days I have been getting several pre-approvals from various companies, this has not happen in years. Am I now on some creditor’s radar? I have received offers from Credit One, Sprint, T-mobile, and also some catalog store cards. I have thrown them in the mail because I know better. When my scores are in the range of 700s and up, will I also get great offers from these creditors in the mail?  Also will I be able to see these soft pulls in my Credit Report from these companies?

Starting Score: EX: 650 EQ: 630 TU: 620 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2015 / Last App: 05/04/2015 / In the Garden Until: 01/04/2017
Desired Scores EQ 700 EX 700 TU 700
1k 2k 4k $2,200
Epic Contributor
Posts: 24,827
Registered: ‎10-23-2007
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Re: Pre-approvals offers in the mail


JMills wrote:

I have notice since rebuilding my credit in March 2013, for the past couple of weeks/days I have been getting several pre-approvals from various companies, this has not happen in years. Am I now on some creditor’s radar? I have received offers from Credit One, Sprint, T-mobile, and also some catalog store cards. I have thrown them in the mail because I know better. When my scores are in the range of 700s and up, will I also get great offers from these creditors in the mail?  Also will I be able to see these soft pulls in my Credit Report from these companies?


Sounds like you are starting to be in the radar... isn't it great!?

You might see the sp's if you pull frull reports from the credit report directly (Fico reports won't show it I don't believe) not really worth paying for a full report if you can't get it free just to see who is softing you though (in my opnion)

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
Frequent Contributor
Posts: 293
Registered: ‎03-08-2013
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Re: Pre-approvals offers in the mail

I have paid service for Equifax and Transunion, and just last week I paid for Experian full report, waiting for it in the mail. I will see

Starting Score: EX: 650 EQ: 630 TU: 620 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2015 / Last App: 05/04/2015 / In the Garden Until: 01/04/2017
Desired Scores EQ 700 EX 700 TU 700
1k 2k 4k $2,200
Established Contributor
Posts: 985
Registered: ‎09-10-2012
0

Re: Pre-approvals offers in the mail

I started getting them in the mail too after I began. It's such a great feeling!! Now I get preapprovals from places like fingerhut and first premier too. I think it's kind of funny because they are builder cards and when I had no credit they didn't want anything to do with me. Now I have prime cards and they are over me!
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*
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
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Re: Pre-approvals offers in the mail


JMills wrote:

I have notice since rebuilding my credit in March 2013, for the past couple of weeks/days I have been getting several pre-approvals from various companies, this has not happen in years. Am I now on some creditor’s radar? I have received offers from Credit One, Sprint, T-mobile, and also some catalog store cards. I have thrown them in the mail because I know better. When my scores are in the range of 700s and up, will I also get great offers from these creditors in the mail?  Also will I be able to see these soft pulls in my Credit Report from these companies?


just curious what do upi mean by throwing them in mail? I would throw those in the trash, oh and yes approve 700 you probably get Discover, CIti and Chase pre approvals

Frequent Contributor
Posts: 293
Registered: ‎03-08-2013
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Re: Pre-approvals offers in the mail

@John398 I mean throw them in the trash! Lol : )
Starting Score: EX: 650 EQ: 630 TU: 620 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2015 / Last App: 05/04/2015 / In the Garden Until: 01/04/2017
Desired Scores EQ 700 EX 700 TU 700
1k 2k 4k $2,200
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

Re: Pre-approvals offers in the mail


JMills wrote:
@John398 I mean throw them in the trash! Lol : )

lol ok good

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