10-02-2011 12:20 PM
I recieved one of the pre-approved mail offers as well, went to home depot, applying process is very easy and was approved EQ was pulled and I am in MA. Once your utilization is down and you really want this card, I would go for it. Good Luck
10-03-2011 05:31 AM
Keep in mind that pre-qualified, pre-approved, pre-selected, etc. have no real meaning. It does not guarentee that you will get the card.
CCCs send requests to the bureaus for contact information of individuals that meet certain qualifying standards to send out mailers to. You may or may not be approved, but the offers in the mail mean nothing more.
With your new scores you should be ok to apply.
10-03-2011 05:44 AM
Thanks CD! I have to wait a couple of months to apply, I was just merely inquiring to see the likelihood of me being approved. I know that all of the pre-selected, pre-approved offers, etc. are nothing more than a bait and switch to get you to apply.
I am closing on my new home at the beginning of January, so I cannot do anything credit wise until then.
I really appreciate all of your help...again, thank you!
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