Reply
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Re: Pre screened offers continue

I know the feeling.  I used to have killer credit - messed that up.  Forever I didn't get any mailers, almost as if I opted out.  Just the other day I got the Matrix garbage myself.  I literally LOL'd as I read the fee table.  It was brutal.

 

I don't think the type of offer is as telling as the fact you (and I) seem to be attracting interest again.  It can't be a bad thing (unless you app for Matrix) :smileyhappy:

 


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

Re: Pre screened offers continue

 


visorboy1974 wrote:

astritaho1979 wrote:

Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth


I'm barely at 700 (with a BK7 on my reports) and have 8 major credit cards with an average of $13,500 limit.  Did I slip through the cracks?  Obviously YMMV...every profile differs.      


iam glad you have a good limits


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Contributor
Posts: 92
Registered: ‎11-21-2012
0

Re: Pre screened offers continue

LOL..... This guy is cracking me up !!!!!!!!!

Amex BCE...Amex ED...Barclay WMC...Priceline Rewards Visa...Cap One Venture...Total Rewards Visa...Wells Fargo Visa...Discover IT...Pay Pal Smart Connect...Overstock Store Card...Lowe's Store Card


Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Re: Pre screened offers continue


astritaho1979 wrote:

Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth


 You are aware more goes into a CL assignment than FICO, right?  BTW - you're about to start a flame war...


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

Re: Pre screened offers continue


jake619 wrote:

astritaho1979 wrote:

Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth


 You are aware more goes into a CL assignment than FICO, right?  BTW - you're about to start a flame war...


are you refering to me or its just what you just said dont make any sense for real


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Valued Contributor
Posts: 1,142
Registered: ‎05-17-2010
0

Re: Pre screened offers continue


astritaho1979 wrote:

jake619 wrote:

astritaho1979 wrote:

Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth


 You are aware more goes into a CL assignment than FICO, right?  BTW - you're about to start a flame war...


are you refering to me or its just what you just said dont make any sense for real


You might want to read your sentence before you try to rip on someone else's grammar.  :smileytongue:

Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Re: Pre screened offers continue


astritaho1979 wrote:

jake619 wrote:

astritaho1979 wrote:

Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth


 You are aware more goes into a CL assignment than FICO, right?  BTW - you're about to start a flame war...


are you refering to me or its just what you just said dont make any sense for real


Talk about who makes no sense... grammar matters.  Yes, I was referring to you.  You're implying a FICO score drives CL's.  I'm telling you more goes into it than that.  You can start with income and work your way through the other non-financial metrics such as employment.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Frequent Contributor
Posts: 346
Registered: ‎02-01-2012
0

Re: Pre screened offers continue

[ Edited ]

visorboy1974 wrote:

astritaho1979 wrote:

jake619 wrote:

astritaho1979 wrote:

Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth


 You are aware more goes into a CL assignment than FICO, right?  BTW - you're about to start a flame war...


are you refering to me or its just what you just said dont make any sense for real


You might want to read your sentence before you try to rip on someone else's grammar.  :smileytongue:


This guy is a real character. Every thread he joins or creates...ends with a "Locked Thread and Under Moderator Review."

 

As for the OP: Your scores are good...some people are just grumpy. 

Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

Re: Pre screened offers continue


jake619 wrote:

astritaho1979 wrote:

jake619 wrote:

astritaho1979 wrote:

Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth


 You are aware more goes into a CL assignment than FICO, right?  BTW - you're about to start a flame war...


are you refering to me or its just what you just said dont make any sense for real


Talk about who makes no sense... grammar matters.  Yes, I was referring to you.  You're implying a FICO score drives CL's.  I'm telling you more goes into it than that.  You can start with income and work your way through the other non-financial metrics such as employment.


I am not going to get in to a Vague philosophical debate with you right now.I was sugesting to the po here in to what is the best course of action in his situtation

I really dont need you to tell me how is my grammar in to this forum.Have a nice day


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Established Contributor
Posts: 637
Registered: ‎09-18-2011
0

Re: Pre screened offers continue


Duncanrr wrote:
Got pre-screened offer in mail today for first national of Omaha (second pre-screen from them) and Matrix discover (with a stellar 27% apr).

At least they are still coming in. Nothing from Chase, Citi, Barclays or Amex yet.

It sure is a nice feeling to get pre approved offers, isnt it? I think it is only a matter of time before you start getting from the above mentioned lenders!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
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.