topic Re: Pre Approved Offers Thread in Credit Cards

Pre Approved Offers Thread

corymcd88 — Tue, 10 Nov 2015 15:13:34 GMT

Lets start a thread. What banks SP what bureau to send pre approved offers in the mail or on-line. Citi SP EQ but pulls EX for me.

Re: Pre Approved Offers Thread

Anonymous — Tue, 10 Nov 2015 15:18:40 GMT

@corymcd88 wrote:
Lets start a thread. What banks SP what bureau to send pre approved offers in the mail or on-line. Citi SP EQ but pulls EX for me.

Thats what the credit pull database is for. Keep in mind the pulls are based on regions and a creditor can decide to change what bureau they pull at anytime when an applicant applies for a card.

Re: Pre Approved Offers Thread

kdm31091 — Tue, 10 Nov 2015 15:26:46 GMT

It's almost meaningless to say which bureau was pulled as any creditor can and has pulled any of the 3, besides the fact that it can vary by region. Especially when we are talking about pre-approved mailers, I'm not sure why it matters which bureau was SP'd for them. The SP isn't hurting you no matter which bureau is pulled, and it offers no guarantee that that's the bureau they'd use in a final approval.

Sometimes you just have to step back and not overthink things that are probably not worth the time thinking about because they have no real conclusive answer.

Re: Pre Approved Offers Thread

Ron1 — Tue, 10 Nov 2015 15:38:16 GMT

Comenity Bank

Ron.

Re: Pre Approved Offers Thread

pizza1 — Tue, 10 Nov 2015 16:07:12 GMT

@Ron1 wrote:
Comenity Bank

Ron.

hahahahaha

Re: Pre Approved Offers Thread

ddemari — Tue, 10 Nov 2015 16:22:48 GMT

For me I use process of elimination. I can see soft pulls on EQ. I am pretty sure Chase does pre-quals through TransUnion. Otherwise credit pulls database has info or some google work can be done. You can also get your free annual reports which should show you soft pulls from creditors so you have reference point.

These are soft pulls on my Equifax credit report which I can see daily through a membership with them.

Inquiries that do not impact your credit rating

These inquiries include, for example, requests from employers, companies making promotional offers and your own requests to check your credit. These inquiries are only viewable by you.

Company Information	Date of Inquiry
ND-ALLIANT CREDIT UNION	01/14/15
AR-BARCLAYS BANK DELAWARE	03/05/15
AR-BLOOMIES/DSNB	09/25/15
AR-Capital One	10/27/15
AR-CAPITAL ONE	10/19/15
AR-CAPTIAL ONE BANK USA NA	10/11/15
PRM ONL-CAPITAL ONE BANK USA NA	10/07/15
ND-CIC/EXPERIAN ALRTS	03/25/15
ND-CIC/EXPERIAN RPTS	11/10/15
ND-CONSUMERINFO.COM	10/21/15
AR-Comenity/ComenityCapital	08/11/15
AR-COMENITY BANK	08/13/15
PRM ONL-COMENITY BANK/ANN TAYLOR	04/14/15
PRM ONL-Comenity Bank/AVENUE	09/15/15
PRM ONL-Comenity Bank/BRYLNHME	09/01/15, 04/27/15
PRM ONL-Comenity Bank/BUCKLE	10/14/15, 04/01/15
PRM ONL-COMENITYBANK/EDDIEBAUER	04/14/15
PRM ONL-Comenity Bank/EXPRESS	03/18/15
PRM ONL-Comenity Bank/ONESTPLS	04/27/15
PRM ONL-Comenity Bank/KINGSIZE	04/30/15
PRM ONL-COMENITY BANK/LOFT	10/28/15
PRM ONL-COMENITYBANK/REDICARD	11/03/15
PRM ONL-COMENITY BANK/ROAMANS	04/29/15
PRM ONL-Comenity Bank/SPMNGVSA	11/03/15
PRM ONL-COMENITY BANK/TRWRDSV	10/13/15
PRM ONL-COMENITYBANK/VENUS	04/13/15
PRM ONL-COMENITYBANK/WAYFAIRCARD	10/14/15
PRM ONL-COMENITYCAPITAL/BALLARDDSGNS	10/21/15
PRM ONL-COMENITY CAPITAL/BLAIR	04/28/15
PRM ONL-COMENITYCAPITAL/DRAPERS&DAMON	08/20/15
PRM ONL-COMENITYCAPITAL/FRNM	11/04/15, 11/02/15, 10/30/15
PRM ONL-COMENITYCAPITAL/GOODSAM	11/03/15
PRM ONL-COMENITYCAPITAL/GRANDINRD	10/21/15
PRM ONL-Comenity Capital/HSN	04/07/15
PRM ONL-COMENITYCAPITAL/IMPROVEMENTSCC	11/02/15
PRM ONL-COMENITY CAPITAL/JJILL	04/25/15
PRM ONL-COMENITYCAPITAL/MODELLS	10/13/15, 08/12/15, 06/30/15
PRM ONL-COMENITYCAPITAL/MOTO	09/10/15, 04/02/15
PRM ONL-COMENITYCAPITAL/NORMTHOMPSON	09/10/15
PRM ONL-COMENITYCAPITAL/OVERSTOCK	04/01/15
PRM ONL-COMENITYCAPITAL/SERTA	04/13/15
ND-CREDITEXPERT 1-866-673-0140	08/06/15
ND-CREDIT KARMA, INC	11/10/15
ND-DIGITAL FEDERAL CREDIT UNION	10/27/15, 09/22/15, 09/01/15
EQUIFAX - UPDATE	02/12/15
EQUIFAX INFO SVCS.	09/10/14, 08/12/14, 07/08/14
EQUIFAX	08/07/14, 07/07/14
EQUIFAX INFO SVCS	07/09/14
ND-EQUIFAX	05/01/15
EQUIFAX INFO SVCS.	09/15/14, 08/12/14
ND-Equifax Consumer Services	11/10/15
ND-Equifax Consumer Services	11/04/15
ND-Equifax Consumer Services	11/03/15
EQUIFAX	11/18/14
EQUIFAX INFO SVCS.	02/25/15, 08/12/14
FAIR ISAAC	10/19/15
PRM-FARMERS INSURANCE GROUP	10/30/15, 09/30/15, 08/31/15, 07/31/15, 06/30/15, 05/29/15, 04/30/15, 04/02/15
AR-FIA CSNA	06/23/15
PRM-GINNY'S	12/29/14
INTUIT INC	02/06/15
INTUIT INC	02/05/15
ND-INTUIT INC	02/05/15
AR-MACYS/DSNB	09/25/15
PRM-MASON	02/05/15
PRM-MASSEY	12/12/14
PRM-MONTGOMERY WARDS C/O DMS	07/14/15, 12/30/14
AR-PENTAGON FEDERAL CREDIT UN	09/01/15
ND-QUIZZLE, LLC	10/27/15
PRM-STONEBERRY	06/30/15, 02/27/15, 11/13/14
ND-TRUELINK	04/27/15
ND-TRUELINK	01/22/15

Re: Pre Approved Offers Thread

ddemari — Tue, 10 Nov 2015 16:27:02 GMT

Who knows what famers insurnace wants with me, they dont send me anything but they love to soft pull my reports lol. i dont have any insurnace with them.

Re: Pre Approved Offers Thread

mattmyFIC0 — Tue, 10 Nov 2015 16:50:55 GMT

@ddemari wrote:
Who knows what famers insurnace wants with me, they dont send me anything but they love to soft pull my reports lol. i dont have any insurnace with them.

Maybe its for this: https://www.farmers.com/rewardsvisa/

Re: Pre Approved Offers Thread

willwar14 — Tue, 10 Nov 2015 16:57:44 GMT

@ddemari wrote:
Who knows what famers insurnace wants with me, they dont send me anything but they love to soft pull my reports lol. i dont have any insurnace with them.

+1 I have 5 SPs from them, I get a pre-approval for insurance from them once a week now..

Re: Pre Approved Offers Thread

ddemari — Tue, 10 Nov 2015 16:59:15 GMT

I've applied for farmers visa and been denied off a TU pull

Re: Pre Approved Offers Thread

Jerry45 — Tue, 10 Nov 2015 17:06:52 GMT

@corymcd88 wrote:
Lets start a thread. What banks SP what bureau to send pre approved offers in the mail or on-line. Citi SP EQ but pulls EX for me.

Chse softs TU and EX for me in the Midwest. Hard pulls the same

Re: Pre Approved Offers Thread

jesseh — Tue, 10 Nov 2015 20:39:58 GMT

The Farmers visa is issued by Comenity, so I'd guess the SP is from the actual insurance division..

Re: Pre Approved Offers Thread

ddemari — Tue, 10 Nov 2015 22:23:15 GMT

ohhh I applied for state farm good neighbors in the past through state farm bank. i have never applie for the farmers one through comenity. you think they could send me a preapp letter in the mail if they wanted me so bad lol.