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?
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 *
* 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
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