Credit Cards Center Credit cards from our partners
Regular Contributor
Posts: 214
Registered: ‎08-02-2012

preselected versus preapproved?

what's the diff? I keep getting an email from AMEX saying im preselected and to 'apply now'.  But I know that can't be the case since my EX is frozen and that's who they pull. I wanted a definitive answer on what preselected versus preapproved actually means, please! Thanks a bunch!! Smiley Wink

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Frequent Contributor
Posts: 464
Registered: ‎06-13-2012

Re: preselected versus preapproved?

I found this thread it might be the answer you seek.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Established Contributor
Posts: 766
Registered: ‎01-16-2012

Re: preselected versus preapproved?

While Amex pulls experian for hard pulls, that isn't true for soft pulls. They soft my TU monthly and have never softed my EX. So if EX is the only one you froze, they may be softing one of your other CRAs and that may be the basis for preapproval. As for the specific email you got, it is hard to tell. If you go to their web site and go to "view my offers", do you see anything? Anything on that page is pretty solid for approval.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Super Contributor
Posts: 6,533
Registered: ‎12-11-2011

Re: preselected versus preapproved?

Be careful with amex emails. I get an email from them at least once a week which is just advertising because I signed up for their offers. A lot of people come on here asking if those are "Special Offers" for them, but almost everyone gets the same exact email. I know they're not special offers for me because I definitely don't qualify Smiley Tongue 


Like the previous poster said, check their "View My Special Offers" thing. That will either (AFAIK) soft you, or check your most recent soft from them (if they've softed you before), and it will give you a better answer. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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.