Community Leader
Valued Contributor
Posts: 1,409
Registered: ‎07-12-2011
Re: Hard Inquiry if accept FNB Omaha pre-approval?

Hey Captkirk! 

My bro got the pre-approval offer from them for ultimate Rewards Plat.  His score: 671 - EX- 45% utility- 4 years history but very little with cc.  He was approved for 3.5K. I was surprised.  I have found the lending criteria for true pre-approved offers to be a little more lax then hard apping a card.  YMMV thou!  Good luck!

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K