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Valued Contributor
Duncanrr
Posts: 2,825
Registered: ‎06-08-2012

Re: Pre screened offers continue

6 or 7 inquiries on EQ. My highest of the 3 CRA.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 688 TU 727 EX 704 CK 696 (FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
injustifiiable
Posts: 1,728
Registered: ‎03-30-2012

Re: Pre screened offers continue

My boss, who has credit in the 740s, gets mailers for...Credit One. Hahaha...she also gets mailers from BoA (they push the 1-2-3 cash rewards a lot) and Citi Simplicity a lot (she has both business and personal accounts at those two)

 

We already have two AMEX's so nothing from them...nothing from Discover either as she already has one.

 

I do her the favor and chuck the offers for her...haha.

Scores 3/17/2014: TU FICO: 645 | EQ FICO: 674 | EX AMEX FICO: 662

In my new wallet: American Express Premier Rewards Gold: NPSL | BankAmericard Cash Rewards: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Walmart: $900 | J.Crew $2250
Valued Contributor
injustifiiable
Posts: 1,728
Registered: ‎03-30-2012

Re: Pre screened offers continue

As for my own offers...I think the last one I got was for a pay day loan from some Indian tribe in Louisiana...lol. They soft pulled TU for that...

Scores 3/17/2014: TU FICO: 645 | EQ FICO: 674 | EX AMEX FICO: 662

In my new wallet: American Express Premier Rewards Gold: NPSL | BankAmericard Cash Rewards: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Walmart: $900 | J.Crew $2250
Regular Contributor
nyancat
Posts: 217
Registered: ‎12-21-2012

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?


Don't worry about it. Just look at the guy you are quoting's other posts. Personally, I don't feel them even worth responding to. Your scores are good, and getting a lot better. And pre-approvals certinly do come by the boatload, especially Citi, Discover, and AmEx. Just hang in there and keep your scores up :smileyhappy:

American Express Costco TrueEarnings - $15,600; American Express Blue Cash Everyday - $5,000; Bank of America Travel Rewards - $5,000; Capital One Cash Rewards Visa - $7,500; Citi Forward - $5,800 and $4,500; Chase Sapphire Preferred - $7,500; Discover It - $1,500
Contributor
lylesvegas
Posts: 80
Registered: ‎11-21-2012

Re: Pre screened offers continue

WOW !!!! Just checked my EQ fico, it was a 1,000,000........ and I have not got one offer in the mail !!!!!!!

Started Gardening Thanksgiving Day 2012 !!

Wells Fargo Cash Rewards / Discover More/ Barclaycard Rewards / Cap One Platinum / Cap One Cash card/ PayPal Smart Connect
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011

Re: Pre screened offers continue


Duncanrr wrote:
Just to add fuel to fire:

NFCU 25k
Amex BCP 8.8k
Amex Delta 6k
Discover it. 6k
Walmart Disc 5.4k
Freedom 1.5k
Chase amaz 2k


Pretty good limits for my "low" scores

Its not low its just not to high.But yea is a good score


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
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011

Re: Pre screened offers continue


android01 wrote:

Come to think of it, I rarely get any pre-approvals or pre-screened offers.  The exception is for business cards from lenders where I already have a personal account.  Chase and USbank in particular.  I get a ton of insurance company mailers though.  I also get a ton of balance transfer checks for my existing TL's.  I got one pre-approval offer  5-6 months ago for a Barclay Visa Black card, but I wasn't interested.   


straight good score you got there.Good job


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

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