Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
Re: Declined less than30 days ago but still getting pre approval mailers

The "pre approval" offers aren't based on your likelihood of getting approved. They're based on marketing criteria they get from the CRAs. If you were declined for high util and AAoA, you need to at least rectify your util. If you pay it down to  under  10% you may get approved. It will also help to tweak your FICO by having all but one cc report a zero balance. 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!