topic Re: What CR does Chase SP for pre-qual? in Credit Cards

What CR does Chase SP for pre-qual?

elim — Mon, 26 Jan 2015 23:05:55 GMT

my TU is 715 and holding but my EX is down about 20 points and my EQ almost 40. I noticed my pre-qualified offers for Freedom and Slate have gone up 3% in APR since my EX and EQ crashed. I havent checked my reports for soft pulls but does this mean that Chase softs your EX or EQ report for pre-qualification?

Re: What CR does Chase SP for pre-qual?

CreditCuriosity — Mon, 26 Jan 2015 23:10:22 GMT

@elim wrote:
my TU is 715 and holding but my EX is down about 20 points and my EQ almost 40. I noticed my pre-qualified offers for Freedom and Slate have gone up 3% in APR since my EX and EQ crashed. I havent checked my reports for soft pulls but does this mean that Chase softs your EX or EQ report for pre-qualification?

TU via web site in my experiance.. Mailers, not sure.

Re: What CR does Chase SP for pre-qual?

Anonymous — Mon, 26 Jan 2015 23:12:16 GMT

TU it seems like.

Re: What CR does Chase SP for pre-qual?

gdale6 — Mon, 26 Jan 2015 23:13:14 GMT

@Anonymous wrote:
TU it seems like.

Re: What CR does Chase SP for pre-qual?

Anonymous — Mon, 26 Jan 2015 23:15:42 GMT

Experian in my case. Definitely not TU

Re: What CR does Chase SP for pre-qual?

elim — Tue, 27 Jan 2015 00:33:19 GMT

@Anonymous wrote:
Experian in my case. Definitely not TU

thats my guess. i'll pull my EX soon and double check. too tired now.... thanks all

Re: What CR does Chase SP for pre-qual?

Anonymous — Tue, 27 Jan 2015 01:49:37 GMT

I'm guessing they do none for me since I've never gotten a PQ.

Re: What CR does Chase SP for pre-qual?

CreditCuriosity — Tue, 27 Jan 2015 02:02:21 GMT

@Anonymous wrote:
I'm guessing they do none for me since I've never gotten a PQ.

Sure hasn't stopped you from going Ape Shiz with Chase App/CC's though

Re: What CR does Chase SP for pre-qual?

Anonymous — Tue, 27 Jan 2015 02:42:40 GMT

Innovis is the main bureau used for pre approved mail offers . That's why it's always good to get your free report from them . I'm not sure which one chase uses for their online tool .

Re: What CR does Chase SP for pre-qual?

CreditCuriosity — Tue, 27 Jan 2015 02:59:24 GMT

@Anonymous wrote:
Innovis is the main bureau used for pre approved mail offers . That's why it's always good to get your free report from them . I'm not sure which one chase uses for their online tool .

Innovis really? Maybe that is why I don't get anything in the mail lol... Opted out of them and chilled as well as they are worthless in my eyes. Just a blood sucker. Three is enough.

Guess I will have to cold app As long as you know your profile and what others are getting approved at and for.. Then who needs prequals.

Re: What CR does Chase SP for pre-qual?

elim — Tue, 27 Jan 2015 03:00:52 GMT

@Anonymous wrote:
Innovis is the main bureau used forpre approved mail offers . That's why it's always good to get your free report from them . I'm not sure which one chase uses for theironline tool .

I have been meaning to pull and freeze IDA and ARS. I guess I should pull Innovis at the same time. If anyone else is interested...

https://www.innovis.com/personal/creditReport

Re: What CR does Chase SP for pre-qual?

Anonymous — Tue, 27 Jan 2015 03:06:57 GMT

Yeah they provide creditors with mailing lists of people that might qualify for their products . They also do insurance .

Re: What CR does Chase SP for pre-qual?

Lyythine — Tue, 27 Jan 2015 03:08:42 GMT

haha, I never knew Innovis had its HQ's in Pittsburgh! I may have to take the 10 min drive and do a walk-in for my report, just because I can

Re: What CR does Chase SP for pre-qual?

Anonymous — Tue, 27 Jan 2015 03:13:04 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
I'm guessing they do none for me since I've never gotten a PQ.
Sure hasn't stopped you from going Ape Shiz with Chase App/CC's though

Can't deny a good thing.

When the instapprovals keep coming and getting bigger...What can you do?

I ended my AOR with my largest instapproval to date. Most people end theirs with limits smaller than peppermint patties.

Re: What CR does Chase SP for pre-qual?

ScoreOrBeScored — Tue, 27 Jan 2015 19:50:58 GMT

If they pull TU on the pre qual, is TU what they will pull if you continue the process to app ?

ive never got a offer til now. My TU just had 2 baddies fall off and went up 49 points.

my Ex & EQ still jacked up. Lol

Re: What CR does Chase SP for pre-qual?

Anonymous — Tue, 27 Jan 2015 20:10:25 GMT

@ScoreOrBeScored wrote:
If they pull TU on the pre qual, is TU what they will pull if you continue the process to app ?

ive never got a offer til now. My TU just had 2 baddies fall off and went up 49 points.

my Ex & EQ still jacked up. Lol

No idea what they SP for pre-qualification, but they generally HP EX for the actual application and sometimes they HP both EX and EQ (usually happens when I apply for 2 cards at same time, but have had this happen with 1 card application).