Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
Re: Internal Scoring?

EC341, it's kinda like when you get "pre-approved" offers in the mail.


Nothing is "pre-approved" as far as actually getting a card or a loan.  The pre-approval is the company's decision to send the mailer.


The point is that the creditor makes a decision on its own, and the credit score (regardless of flavor) is just one aspect of that decison making process.


No matter what happens with a credit card or any other account, you are you.  Don't sweat it.  And don't try to be a lawyer, either.


They need you a heckuva lot more than you need them.



Have a nice evening, and forget the email.