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Regular Contributor
Posts: 129
Registered: ‎08-08-2009
0

victoria secrets preapproval

Got a preapproval letter in the mail from Victoria Secrets for 250.00. However I defaulted on a Speigal card about six years ago and it was  charged off. Does Wfnnb blacklist? Or should I just leave this alone?
Epic Contributor
Posts: 25,819
Registered: ‎10-23-2007
0

Re: victoria secrets preapproval

I have heard other poeple getting approved later for cards after bad old accounts.

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: victoria secrets preapproval

Can't speak for WFNNB, but as mentioned, CCCs forgive. I had a Discover CO and they even sent me a letter saying that I can never ever do business with them again and that I am forever blacklisted. Well, about 12 years later, I'm a Discover account holder once again. Still have that letter too.
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
0

Re: victoria secrets preapproval

i didn't know they did preapprovals!
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Regular Contributor
Posts: 129
Registered: ‎08-08-2009
0

Re: victoria secrets preapproval

Thanks for all the responses.Smiley Very Happy You go to their website and register an account then put a few things in your shopping cart and before checkout a preapproval will pop up and tell you the amount your approved for. When I did this I didn't respond to the approval And they sent me a letter saying to go back on their website and accept the approval they even gave me a preapproval code. From what ive read on other boards its an soft inquiry all they ask you for is the last four of you soc# . But as I said before Iam a little apprehensive cause of the charge off I had with them on a Speigals account.Smiley Indifferent

Frequent Contributor
Posts: 278
Registered: ‎10-09-2007
0

Re: victoria secrets preapproval

DOES anybody kow if wnffb (victoria secret) blacklist for life? Had a achargeoff with them in 05 and im still in their system.
Contributor
Posts: 98
Registered: ‎08-09-2007
0

Re: victoria secrets preapproval

not sure what you should do with the victoria's offer, but on the spiegel issue, i would dispute that on my reports. spiegel went out of business and no one is going to respond to the dispute which means it wold be removed from your report. 

Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
0

Re: victoria secrets preapproval

 


Missy_Bell wrote:

not sure what you should do with the victoria's offer, but on the spiegel issue, i would dispute that on my reports. spiegel went out of business and no one is going to respond to the dispute which means it wold be removed from your report. 


the store went out of business, not the bank backing the credit card.  someone will most likely respond to the dispute.

 

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Epic Contributor
Posts: 25,819
Registered: ‎10-23-2007
0

Re: victoria secrets preapproval

I would go for it, lots of people have gotten these and no one has been denied from what I have read

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Established Contributor
Posts: 526
Registered: ‎04-21-2010
0

Re: victoria secrets preapproval

You should go for it. If you get a pre-approval from them and except its on a soft pull no hard so theres really no harm in trying. Ive gotten several wfnb pre approvals and they have always been softs.

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