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When did you start getting pre-approvals and who gave them to you?

Valued Contributor

Re: When did you start getting pre-approvals and who gave them to you?

When my credit was worse than it is now (high 500's?) I was getting rebuilder preapprovals from the usual suspects.  Those have stopped recently except for the occasional auto loan preapproval from those type of subprime guys.  I think I'm in the lull now where I'm not a hot target for sub primers, but not close enough for the mid-high level guys to give a crap.  Soon, hopefully.  The chances of me not applying to the first decent preapproval are very low.  Zero self control here.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 11 of 14
Established Contributor

Re: When did you start getting pre-approvals and who gave them to you?


nicholasyud wrote:

You start seeing some like : Credit one, Capital one, Primier, Finger Hut......etc soon....dont worry my friend....Them ""harmful"" credit card going to look for you very soon.....lol.......I tear them up and sent it back to them...thats wat i did Smiley Very Happy


says the guy with a Credit One credit card Smiley Wink


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 12 of 14
Established Contributor

Re: When did you start getting pre-approvals and who gave them to you?


distantarray wrote:

nicholasyud wrote:

You start seeing some like : Credit one, Capital one, Primier, Finger Hut......etc soon....dont worry my friend....Them ""harmful"" credit card going to look for you very soon.....lol.......I tear them up and sent it back to them...thats wat i did Smiley Very Happy


says the guy with a Credit One credit card Smiley Wink


lol Smiley Very Happy

 


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 13 of 14
Valued Contributor

Re: When did you start getting pre-approvals and who gave them to you?

Pulled a first premier and Walmart preapproval in the same day last week. The Walmart one was weird, since I just got one on my own last month

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 14 of 14