topic Re: A question about fraud alerts in Credit Card Applications

A question about fraud alerts

Meanmchine — Sat, 23 Apr 2016 22:33:44 GMT

Hi everyone.

I have a fraud alert on my CRs. Ive had it on since 2/16.

As you see in my siq, my scores are not dredful yet I can not get ANY pre-qualify from ANY site. I cant even get a prequalify from Millstone

All baddies ( 8 accts 8 CAs ) almost 7 years old. PERFECT history for the last 6+ years. I cant even get a pre-qual from

Cap1 and i have 2 accounts almost 10 years old. Inqs ( 20/7/14 but more then half are over a year old ) 15% util

Question is, Is this the Fraud Alert holding me back? There are a couple of cards Id like to app for but I dont want HPs as im kinda gardening

If it is the FA blocking pre-quals, how fickle is Amex with 6 year old baddies. ( none of them an Amex )

Second card is a Barclays card but i burnt them back in 2010 so im scared on pulling the trigger

Any help would be great

Thanks

Re: A question about fraud alerts

dragontears — Sat, 23 Apr 2016 22:01:53 GMT

@Meanmchine wrote:
Hi everyone.

I have a fraud alert on my CRs. Ive had it on since 2/16.
As you see in my siq, my scores are not dredful yet I can not get ANY pre-approvals from ANY site.

All baddies ( 8 accts 8 CAs ) almost 7 years old. PERFECT history for the last 6+ years. I cant even get a pre-qual from
Cap1 and i have 2 accounts almost 10 years old. Inqs ( 20/7/14 but more then half are over a year old ) 15% util

Question is, Is this the Fraud Alert holding me back? There are a couple of cards Id like to app for but I dont want HPs as im kinda gardening

If it is the FA blocking pre-quals, how fickle is Amex with 6 year old baddies. ( none of them an Amex )
Second card is a Barclays card but i burnt them back in 2010 so im scared on pulling the trigger

Any help would be great
Thanks

A fraud alert will automatically opt you out from recieving preapprovals

Re: A question about fraud alerts

Meanmchine — Sat, 23 Apr 2016 22:07:34 GMT

Ive already opped back in

Re: A question about fraud alerts

dragontears — Sat, 23 Apr 2016 22:22:31 GMT

@Meanmchine wrote:
Ive already opped back in

How long ago? it took several months for me to start getting preapprovals again after I opted out for a mortgage then opted back in.

Re: A question about fraud alerts

Meanmchine — Sat, 23 Apr 2016 22:30:01 GMT

I joined here a month ago so id have to say 2-3 weeks ago. did it again today just in case.

ok, might have used the wrong term.

I am referring to PRE QUALIFY offers when you soft apply on their websites. Not preapproval letters in the mail

Re: A question about fraud alerts

dragontears — Sat, 23 Apr 2016 22:29:32 GMT

Give it a bit more time for prequals to start showing up (can take time before the CRA's sell your info to CC companies)

as for amex... your EX scores is likely too low for them right now

Re: A question about fraud alerts

Meanmchine — Sun, 24 Apr 2016 00:12:08 GMT

Yeah i know my EX needs some caffine.

I called Amex and asked them if a FA blocks the prequalify process but couldnt get an answer.

Im thinkng that it does. Kudos for the help

Re: A question about fraud alerts

Anonymous — Sun, 24 Apr 2016 01:08:15 GMT

Even if you opt in pretty sure the fraud alert has to be removed to get pre-qualified

Re: A question about fraud alerts

EmmaGolden — Sun, 24 Apr 2016 01:25:31 GMT

@Meanmchine wrote:
Hi everyone.

I have a fraud alert on my CRs. Ive had it on since 2/16.
As you see in my siq, my scores are not dredful yet I can not get ANY pre-qualify from ANY site. I cant even get a prequalify from Millstone

All baddies ( 8 accts 8 CAs ) almost 7 years old. PERFECT history for the last 6+ years. I cant even get a pre-qual from
Cap1 and i have 2 accounts almost 10 years old. Inqs ( 20/7/14 but more then half are over a year old ) 15% util

Question is, Is this the Fraud Alert holding me back? There are a couple of cards Id like to app for but I dont want HPs as im kinda gardening

If it is the FA blocking pre-quals, how fickle is Amex with 6 year old baddies. ( none of them an Amex )
Second card is a Barclays card but i burnt them back in 2010 so im scared on pulling the trigger

Any help would be great
Thanks

I have a fraud alert that was put on by Equifax when I tried to correct my last name. After that the pre-qual sites show me no luv( not even Miestone), so I think you may be right

Re: A question about fraud alerts

Meanmchine — Sun, 24 Apr 2016 01:26:59 GMT

I agree. It makes sense especially with my super positive history with Cap1 and BoA who i cant even get a secured card offer from. Must be the FA ( with a lil help from my

EX score )

Re: A question about fraud alerts

EmmaGolden — Sun, 24 Apr 2016 01:37:03 GMT

@Meanmchine wrote:
I agree. It makes sense especially with my super positive history with Cap1 and BoA who i cant even get a secured card offer from. Must be the FA ( with a lil help from my
EX score )

I've tried several x's to get it lifted with no success, Don't sweat about your EX score, mine needs some caffeine too. ( maybe a stick of dynamite may get mine moving ) lol Just takes time

Re: A question about fraud alerts

jonnyc — Sun, 24 Apr 2016 21:05:03 GMT

Even pre approval offers still get you a hard pull when you apply... only store cards are sp (SCT) but any bankcard pre qual is a hard pull when you submit an app

Re: A question about fraud alerts

Anonymous — Sun, 24 Apr 2016 21:37:30 GMT

^ first person to read the actual question here. including myself.

Any time you apply for anything, even if pre-qualified you'll still get a hp( except from the shopping cart trick). Chase, bofa, cap1, any of them. You still get a hp.

That being said, the fraud alert is still blocking any prequal from popping up( in addition to you maybe not being qualified)