Credit Cards

[Duncanrr]

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.

[Walt_K]

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.

[astritaho1979]

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

[Duncanrr]

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.

[Duncanrr]

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astritaho1979 wrote:

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

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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?

[astritaho1979]

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Duncanrr wrote:

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astritaho1979 wrote:

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

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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?

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I was refering to the preapprovals

[calihlove75]

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Duncanrr wrote:

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astritaho1979 wrote:

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

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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?

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

[09Lexie]

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!

[astritaho1979]

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

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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.

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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

[visorboy1974]

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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

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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.