Posts: 75
Registered: ‎10-28-2010

discover card and off brand cards been sending me pre approvals

What should i do. Im in the porcess of looking for a home. I have 1 credit card with capital one and i been with them since 08'. Discover Card and "off brand" credit card companies have been sending me pre approval letters like crazy. I just tear them up. What grabbed me though was the discover card. Arnt they up there with American express? What should I do?

Starting Score: 700
Current Score: 754
Goal Score: 800

Take the FICO Fitness Challenge
CapitalOne - 1k
Barclay - 3.8k
Chase Freedom - 2k
Citi Bank diamond perffered - 5k
Discover - 5k
Amex blue cash perffered - 2k
Epic Contributor
Posts: 25,526
Registered: ‎10-23-2007

Re: discover card and off brand cards been sending me pre approvals

Most mortgage lenders want to see at least 3 accounts open... but at the same time it's not usually a good idea to add a bunch of credit pulls and new accounts right before home shopping... Do you have at least 6 months?

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
Super Contributor
Posts: 5,759
Registered: ‎01-28-2008

Re: discover card and off brand cards been sending me pre approvals

This is what you should do...


Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.