Still get no mail offers...

Creditplz · ‎05-06-2016

So my scores are starting to scratch at 750 Fico 8, I still have never gotten a single mailer!!! My DW always receives them then glotes.... Even my cousin with his 590 scores receives them! (Discover, BofA...etc) is anyone else in my shoes?. I don't really mind tbh just wondering why

AutoBot · ‎05-06-2016

Are you now or were you recently opted-out?

Creditplz · ‎05-06-2016

Nope I've never opted out

RobertEG · ‎05-06-2016

If you ever had any issues of potential fraud or identity theft raised at any time, you may have been automatically opted-out without any express request on your part.

Have you ever requested a fraud alert, either initial or extended?

It might be prudent to contact the CRA and inquire as to your current opt-out status. It may not be what you think, and would be THE reason for not obtaining promotional offers for creidt if your file would meet most criteria being provided to the CRA by creditors.

AutoBot · ‎05-06-2016

I was opted-out and it took a while after opting back in. Sorry I guess I don't have an answer or you.

Anonymous · ‎05-06-2016

My scores are in the 730-740 range and my girlfriends are around 680 and she receives far better offers in the mail than I do. Most of mine are just "offers" but she actually gets some prequalified ones. I have not received any prequalified offers since my score was 780-790 about 3 years ago. Strange how it works.

JustinA · ‎05-06-2016

Don't feel bad I don't get crap either. My wife gets something everyday and I kinda envy it especially because she doesn't care about building higher CLs.

Starting TU: 536
Starting EQ: 573
Goal: 640

Take the myFICO Fitness Challenge

crrredit · ‎05-06-2016

@Anonymous wrote:
My scores are in the 730-740 range and my girlfriends are around 680 and she receives far better offers in the mail than I do. Most of mine are just "offers" but she actually gets some prequalified ones. I have not received any prequalified offers since my score was 780-790 about 3 years ago. Strange how it works.

This supports something I've noticed. I get a lot of offers when my scores are around 680 and I am carrying balances. When my scores moved up over 700 and I had just one card showing a tiny balance, I got nothing. Now I closed my secured cards and added some nice cards, but the inquiries and balances I'm carrying has my scores back to 680 and I'm getting offers again. Pretty sure they target a certain slot and not just people with scores above a certain score.

When your scores are "too high" I suppose they think you have a full slate of cards and you're not shopping for credit. Just a guess.