04-01-2013 08:45 AM
Would filling out the pre qualify things on cc issuer websites put you on their radar for future pre approval offers? becuase they would now have your address and information? I filled out every one i could find and the only matched offer i got was a boa cash rewards offer.
04-01-2013 08:53 AM
Any place you put your info into for a pre-approval offer (like Cap 1 credit card site for example where you get "matched" for an offer) will be of course kept by that particular company. However, keep in mind that all of these places pay the three major credit bureaus to get info on people that meet certain pre-determined reqirements so that way you will always be on their "radar" if you qualify.
Example: Cap 1 might purchase all the people with a FICO Equifax score of 700-720 with one, one year old derogatory and then make offers to those people. If you haven't opted out of this kind of marketing, you'll always receive an offer if you meet a creditor's initial requirements (keep in mind that doesn't at all guarantee an approval).
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.