Reply
Contributor
ccoaston
Posts: 75
Registered: ‎10-28-2010
0

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
Creditaddict
Posts: 22,064
Registered: ‎10-23-2007
0

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- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
0

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

This is what you should do...

 

https://www.optoutprescreen.com/?rf=t

 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}