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Frequent Contributor
Lexa
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
smallfry
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
Watchmann
Posts: 985
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.
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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
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
DickC
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
cartercorp
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
Lexa
Posts: 306
Registered: ‎12-30-2008
0

Re: Pre-approvals

 

Ok, thanks guys! I'll wait.


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