Reply
Frequent Contributor
Posts: 306
Registered: ‎12-30-2008
0

Pre-approvals

This is strange: I do not get any pre-approvals. I used to, and then they just stopped comming. I have excellent history. Even more, according to my credit report nobody looks at my file from outside. Just account review soft pulls from existing lenders. I called in and checked if i had a FA or security freese on my file - NO. I thought I could be OPTED OUT and opted in 2 weeks ago.... still nothing.... what could it be?
Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Pre-approvals

It seems after paying all those juicy bonuses the banks have nothing left of our own money to lend back to us. 
Established Contributor
Posts: 991
Registered: ‎05-14-2008
0

Re: Pre-approvals

The current environment pretty much curtailed mass mailing of pre-approval offers.  I don't think you'll be getting many of them for awhile.
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Pre-approvals

Also, once you opt back in, it takes a while for it to percolate through the system, it seems. I know that after I opted back in (before the current meltdown) it took 4 or so weeks for the junk to start re-appearing.

I still get something every once in a blue moon, but nothing like before. Oh, HSBC, where are all those "pre-approvals" for the GM CC? * wipes away single tear *

:smileyvery-happy:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Frequent Contributor
Posts: 260
Registered: ‎05-21-2009
0

Re: Pre-approvals

[ Edited ]
I still get quite a few. Perhaps they are using new models to send them out now. Also, have even gotten calls wondering if I would like CL INCREASES. Then again, maybe they think I will get weak and take them up on their offers:smileyhappy:
Message Edited by DickC on 06-24-2009 07:09 AM
Established Contributor
Posts: 851
Registered: ‎07-01-2008
0

Re: Pre-approvals


DickC wrote: 
Also, have even gotten calls wondering if I would like CL INCREASES.

Wow yes please....

Frequent Contributor
Posts: 306
Registered: ‎12-30-2008
0

Re: Pre-approvals

 

Ok, thanks guys! I'll wait.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.