Established Contributor
improvingmycredit
Posts: 985
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 781, EX 776 (Amex Pull), TU 786 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 25K, NFCU CR 25K, CSP 20.5K, Arrival 20K, BCP 18.3K, PRG NPSL, Total Avail- 193K+

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