topic Re: If you have opted out would that be the reason you can't pre-app on sites? in Credit Cards

If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 03:43:07 GMT

Hello all- just musing a point and wondering about your all's opinion-

I opted out late this summer thru the 800 number. Cut down on all the junk pre app's coming in the mail- a few still trickle through though.

Question- I am NOT going to app but just was wondering- the other night I tried the soft pre app on BoA and it had me enter my social and then said there were "no pre app offers at all for me..." and I was wondering- cuz some people have posted approvals from BoA w/ a little bit lower scores than me-

if you opt out would that be the reason why you can't do a soft pre app on sites like BoA?

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 03:49:53 GMT

netpanther wrote:

Hello all- just musing a point and wondering about your all's opinion-

I opted out late this summer thru the 800 number. Cut down on all the junk pre app's coming in the mail- a few still trickle through though.

Question- I am NOT going to app but just was wondering- the other night I tried the soft pre app on BoA and it had me enter my social and then said there were "no pre app offers at all for me..." and I was wondering- cuz some people have posted approvals from BoA w/ a little bit lower scores than me-

if you opt out would that be the reason why you can't do a soft pre app on sites like BoA?

I don't think so because in that case you are requesting that they pre-approv you. BOA is funny on that site. Did it at least comeack with the secured card? I have hard people with relatively high scores use that software and only get invited to app for a fully secured card.

If it helps any, I get the same thing. Maybe too many cards opened in a short period of time?

Message Edited by Brammy on 12-01-2007 10:49 PM

Re: If you have opted out would that be the reason you can't pre-app on sites?

haulingthescoreup — Sun, 02 Dec 2007 03:55:04 GMT

I was opted-out, and I got the same response. Not even an offer for the fully secured. There's a list of things that they have, including the fully secured, but it wasn't offered.

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 04:11:18 GMT

Nope- didn't get offered even the secured.

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 14:21:12 GMT

now that my few brain cells have refreshed it is quite possible it could block you from offers. Wen you opt out, your file is blocked to PRM inqs whic is what is needed to offer any pre-approved apps.....lol!!!! Sorry

Re: If you have opted out would that be the reason you can't pre-app on sites?

haulingthescoreup — Sun, 02 Dec 2007 14:52:38 GMT

Anyone know how long it takes after you opt back in for it to implement? It took forever for the Cap 1 mailings to stop after our family opted out, and I'm wondering if they're just as pokey to opt you back in. I think I opted-in around 8-10 days ago.

Never thought that I'd miss mailers from Cap 1 and friends!

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 15:06:25 GMT

What probably happened as that Cap1 just still had you on their list. they weren't getting any new info but since they got your name once they probably used that info fo 6 mos. It should be with 7-10 busines days. Now when he offers start coming in is another story. Depends on when different issuers are scheduled to request info.

Message Edited by Brammy on 12-02-2007 10:06 AM

Re: If you have opted out would that be the reason you can't pre-app on sites?

haulingthescoreup — Sun, 02 Dec 2007 15:04:22 GMT

Well, I have to admit, the load on the mailbox dropped appreciably after the opt-out. No pre-approvals since sometime in late summer, when the opt-outs finally hit.

Who knows, maybe the junk mail will start up again soon! Oh, yay.

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 15:14:17 GMT

How do you opt back in?

Thanks~

aaagirl1

Re: If you have opted out would that be the reason you can't pre-app on sites?

haulingthescoreup — Sun, 02 Dec 2007 15:26:08 GMT

Back at the same site:

https://www.optoutprescreen.com/?rf=t

FWIW, I did not opt back in until I had my plan for score improvement worked out and written down, and I had also come awfully close to jumping in on some of our app frenzies here, but resisted. I needed to know that I wouldn't accept any old piece of garbage that came in the mail, but would stick with my plan. Impulse control is NOT my strong point!

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 20:35:18 GMT

Brammy wrote:
now that my few brain cells have refreshed it is quite possible it could block you from offers. Wen you opt out, your file is blocked to PRM inqs whic is what is needed to offer any pre-approved apps.....lol!!!! Sorry

What is a PRM inq? Thanks in advance. So, you do think that is why I wouldn't even be offered back the secured card?

Again, am NOT going to app. Just was musing/wondering.

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 20:42:15 GMT

netpanther wrote:

Brammy wrote:

now that my few brain cells have refreshed it is quite possible it could block you from offers. Wen you opt out, your file is blocked to PRM inqs whic is what is needed to offer any pre-approved apps.....lol!!!! Sorry

What is a PRM inq? Thanks in advance. So, you do think that is why I wouldn't even be offered back the secured card?

Again, am NOT going to app. Just was musing/wondering.

To get a pre-app offer a creditor must run a PRM or promotional inquiry (soft). Unfortunately this is the very thing you opt out of when you opt out.

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 20:45:58 GMT

Ok, so I am not going crazy thinking something is def. wrong cuz they didn't even offer me the secured back on BofA.

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 20:57:32 GMT

Nah but after a 60 hr work week last week I was.

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 21:58:07 GMT

you have to be opted in

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 22:01:20 GMT

Kewlness. Trust me- thought something was REALLY WRONG when I did that soft pre app- again was not going to go thru w/ it- but I was like- why didn't they offer secured back?

Phew. Feel better.

Re: If you have opted out would that be the reason you can't pre-app on sites?

haulingthescoreup — Sun, 02 Dec 2007 22:31:14 GMT

@Anonymous wrote:
Kewlness. Trust me- thought something was REALLY WRONG when I did that soft pre app- again was not going to go thru w/ it- but I was like- why didn't they offer secured back?

Phew. Feel better.

It was quite a blow to my ego, until I put two and two together!

Re: If you have opted out would that be the reason you can't pre-app on sites?

haulingthescoreup — Sun, 02 Dec 2007 22:43:33 GMT

For anyone who hasn't seen what a soft inq looks like, here's a PRM plus an AR (account review) from my full EQ report (dang, I wish we could tab):

Company Information - - - - - - - - - - - - - - - - - - -Date of Inquiry
AR-FIRST TENNESSEE BANK - - - - - - - - - - - -08/16/2007
PRM-AMERICAN EXPRESS/CENTURION BK -01/05/2007

Silly AmEx softed me last January and actually approved me for a Gold. I found the unopened envelope when I was shoveling out my office last month. This probably arrived about the day that I got my 30-day from Sears/ Citi, so oh well.

The fun thing on the AR soft is that it is on a closed account, and they do NOT have PP (permissible purpose) to inq a closed account, soft or hard, with an AR prefix. I have lates on that puppy too, and I'm working on that one, mmm-bwah-ha-ha. (Don't even care about the $1000 penalty; I want the lates OFF.)

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 23:14:11 GMT

haulingthescoreup wrote:
For anyone who hasn't seen what a soft inq looks like, here's a PRM plus an AR (account review) from my full EQ report (dang, I wish we could tab):

Company Information - - - - - - - - - - - - - - - - - - -Date of Inquiry
AR-FIRST TENNESSEE BANK - - - - - - - - - - - -08/16/2007
PRM-AMERICAN EXPRESS/CENTURION BK -01/05/2007

Silly AmEx softed me last January and actually approved me for a Gold. I found the unopened envelope when I was shoveling out my office last month. This probably arrived about the day that I got my 30-day from Sears/ Citi, so oh well.

The fun thing on the AR soft is that it is on a closed account, and they do NOT have PP (permissible purpose) to inq a closed account, soft or hard, with an AR prefix. I have lates on that puppy too, and I'm working on that one, mmm-bwah-ha-ha. (Don't even care about the $1000 penalty; I want the lates OFF.)

This was pulled straight from EQ right? Cuz I need to go back over my reports cuz I dont' remember ever seeing an inq w/ a code...holy smokes really do learn something almost every day on this forum...have to look cuz I KNOW Myfico doesn't code the inqs...

Message Edited by netpanther on 12-02-2007 06:14 PM

Re: If you have opted out would that be the reason you can't pre-app on sites?

Anonymous — Sun, 02 Dec 2007 23:17:44 GMT

I find that myfico doesn't show the softs. At least it hasn't on the reports I have pulled here. to get the softs you have to go straight to the source unless you have a 3in1 like TC....sorry