11-19-2013 10:07 PM
I received a pre-qualified mailer for a Walmart Credit card. As much as I want the free TU FICO score, I put it aside but smiled at the fact that I'm actually making progress in my credit journey. Also, about a month ago I tried the shopping cart trick with J. Crew and successfully got an offer. The same day I got the Walmart mailing (yesterday), I received a note from J. Crew telling me I had been pre-approved for their card, and that they'd like me to take them up on their offer. I smiled and put that one aside too. No more cards for me but it's nice to see hard work paying off.
Do you remember your first pre-qual after rebuilding? Who was it from? Did you go for it?
PS- Sorry if this question has already been asked.. I was just so excited to see offers come for me in the mail
11-19-2013 10:29 PM
I don't remember about my first pre-approval after rebuilding, but I do remember the one that meant the most. Before and while rebuilding my credit, I was denied by Citi so many times. Then one day (earlier this year), I got a pre-approval offer from them. I was so happy. I applied right away and was instantly approved. I felt so accomplished.
11-19-2013 11:00 PM
I remember mine a few weeks ago how could i forget the NFCU mail offer. It said all u have to do is say yes to this offer. I couldn't believe the results, trust me rebuild the right way and it pays off.
11-19-2013 11:14 PM
When my credit score stopped falling I eventually received a number of very bad (very poor terms) credit card offers. In this mix I believe was first premier, credit one and probably others. I never applied for any of these cards as they had beyond horrendous terms. Eventually I received a capital one preapproval that was quite a bit of a better offer with no AF and 24.99 interest. I opened this card and paid in full every month. Maybe a year or so latter I started receiving discover offers in the mail. It might sound stupid but I never really believed that my credit was actually improving thus I discarded these offers without much thought.
After having the cap1 card for 4 months or so the limit increased a couple hundred bucks from 300 to 500. Then it sat at 500 for more than a year. I eventually tried for an CLI and my limit doubled to 1k. Shortly after this I applied for a discover card and was approved for a card with a 1K limit. Right after the discover card started reporting on my credit reports I got an offer for an Amex green charge card. Shortly thereafter I applied for the Amex PRG charge card and was approved.
So to answer your question it went capital one -> discover -> amex charge card. I totally agree with you that it’s fun to get preapproved offers in the mail. I imagine it only gets better as the quality of the offers improve.
11-20-2013 02:45 AM
My first was Citi TYP (instant approval). Second was Amex Green (3 weeks after I got Amex PRG). Third was Amex Gold (2 weeks later than Green). Fourth and final was First Premier (no comment).
11-20-2013 09:24 AM
I think my first was discover IT via mail , and chase freedom/csp via online pre approval site
11-20-2013 09:38 AM
While rebuilding (score range 550~600)- Credit One
After (score range 620~ current)- Citi AA, AMEX Green
11-20-2013 02:44 PM
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.