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Valued Contributor
Jutz
Posts: 1,142
Registered: ‎05-10-2012

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 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)

Starting total revolving credit: $1100 | Current total revolving credit: $7000

Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013


2013 Goals:
New Car
700 Club
AMEX Member

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

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 :smileyvery-happy:


says the guy with a Credit One credit card :smileywink:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
eviLution
Posts: 543
Registered: ‎06-11-2012

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 :smileyvery-happy:


says the guy with a Credit One credit card :smileywink:


lol :smileyvery-happy:

 


Current Score: DCU EQ 702 - EXP+ 711 - WM TU 719
Goal Score: 750+

Capital One Secured: 750 - DCU Platinum: 1500 - Discover IT: 1250
in the garden til 7/1/2013
Valued Contributor
Jutz
Posts: 1,142
Registered: ‎05-10-2012

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 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)

Starting total revolving credit: $1100 | Current total revolving credit: $7000

Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013


2013 Goals:
New Car
700 Club
AMEX Member

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800

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