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Pre screened offers continue

Valued Contributor

Pre screened offers continue

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.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 47
46 REPLIES
Senior Contributor

Re: Pre screened offers continue

Is there a reason you shouldn't be getting them?  Did you opt out or something?

 

Even if you opted out, there are two issues.  First, it sometimes takes a while, and some people report having to confirm it went through and perhaps doing it again.  Second, you can still receive offers.  It is not a do not mail list.  They can't get access to your credit reports, but you could already be on their lists and/or they could get access to your info in other ways.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 2 of 47
Frequent Contributor

Re: Pre screened offers continue

No offense but your scores are kindof low for that.They really dont go out there much anyways


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
Message 3 of 47
Valued Contributor

Re: Pre screened offers continue

My credit was so bad for so long I never got any so just getting them is a good thing. Other than Discover It, I haven't gotten one I wanted yet.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 47
Valued Contributor

Re: Pre screened offers continue


astritaho1979 wrote:

No offense but your scores are kindof low for that.They really dont go out there much anyways


I don't understand what you are trying to say in this post. My TU on Walmart is 730's (703 on Amex pull), ex is 720's and EQ is 680's.  these are not low scores. And who is they and where do they not go much?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 5 of 47
Frequent Contributor

Re: Pre screened offers continue


Duncanrr wrote:

astritaho1979 wrote:

No offense but your scores are kindof low for that.They really dont go out there much anyways


I don't understand what you are trying to say in this post. My TU on Walmart is 730's (703 on Amex pull), ex is 720's and EQ is 680's.  these are not low scores. And who is they and where do they not go much?


I was refering to the preapprovals


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
Message 6 of 47
Established Contributor

Re: Pre screened offers continue


Duncanrr wrote:

astritaho1979 wrote:

No offense but your scores are kindof low for that.They really dont go out there much anyways


I don't understand what you are trying to say in this post. My TU on Walmart is 730's (703 on Amex pull), ex is 720's and EQ is 680's.  these are not low scores. And who is they and where do they not go much?


Your scores are not considered low. You have made great progess Smiley Wink

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 7 of 47
Moderator Emerita

Re: Pre screened offers continue

Sorry on my iPhone so can't quote but Duncanrr your scores are great! I have no idea what the other poster is talking about!
Message 8 of 47
Frequent Contributor

Re: Pre screened offers continue

Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2


Walt_K wrote:

Is there a reason you shouldn't be getting them?  Did you opt out or something?

 

Even if you opted out, there are two issues.  First, it sometimes takes a while, and some people report having to confirm it went through and perhaps doing it again.  Second, you can still receive offers.  It is not a do not mail list.  They can't get access to your credit reports, but you could already be on their lists and/or they could get access to your info in other ways.



k 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


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
Message 9 of 47
Valued Contributor

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


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.      

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 10 of 47