topic Re: How Reliable Is CreditCards.com's CC PreScreen Offers? in Credit Cards

How Reliable Is CreditCards.com's CC PreScreen Offers?

RSCo — Tue, 04 Jun 2013 19:42:42 GMT

Trying to determine success rates for credit card prequalifies from creditcards.com.. Have you been successful in being approved for cards they preselect for you based on your soft pull of your credit report? Thanks

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Sevenfeet — Tue, 04 Jun 2013 19:49:59 GMT

Yes. It worked for me and my wife on two separate Amex applications.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Bsong — Tue, 04 Jun 2013 20:03:46 GMT

Im also interested in using this site. Is it safe to enter in so much personal info? Address, Income, SS, DOB, etc...?

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Anonymous — Tue, 04 Jun 2013 20:06:41 GMT

Just tried it and gave me First Premier (UGH) and capital one(which I already have 3 cards with so would not be approved)

Good luck

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Anonymous — Tue, 04 Jun 2013 21:22:26 GMT

It is pretty reliable, but keep in mind that it SP's your TU report...even if you get a pre-screened offer for AMEX, they will pull EX. As long as your reports are pretty consistent with each other there should be no problem. If not, then make sure you know the institution you decide to take the offer with pulls TU.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Bsong — Tue, 04 Jun 2013 20:11:21 GMT

@Anonymous wrote:
It is pretty reliable, but keep in mind that it SP's your TU report...even if you get a pre-screened offer for AMEX, they will pull EX. As long as your reports are pretty consistent with each other their should be no problem. If not, then make sure you know the institution you decide to take the offer with pulls TU.

Thanks for the info. Ill be sure to keep that in mind.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Bsong — Tue, 04 Jun 2013 20:20:34 GMT

BTW. Do you guys know if it takes into consideration inquiries?

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Anonymous — Tue, 04 Jun 2013 21:04:31 GMT

Just FYI, you get the exact same results even if you don't enter your SS.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

b_seeker — Tue, 04 Jun 2013 21:12:44 GMT

@Bsong wrote:
BTW. Do you guys know if it takes into consideration inquiries?

I don't think it takes into account inqs in relation to how sensitive a particular bank is to them. That would be too hard to determine for a simple blanket pre-screen.

Also keep in mind, it is looking at your TU report (Like already stated), so if it is preapproving for Amex, it really can't account for inqs on your EX anyway.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Anonymous — Tue, 04 Jun 2013 21:20:49 GMT

It worked for me. I applied Amex BCE through it, and creditcards.com has better opening rewards for this card.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Bsong — Tue, 04 Jun 2013 21:56:23 GMT

I just tried it myself without entering in my SS# and it has given me a bunch of CAP1 and FIRST PREMIER cards which I have no interest in....

I see that someone mentioned that the results will be the same without putting my SS#; is that true for anyone else?

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Bsong — Tue, 04 Jun 2013 22:02:12 GMT

@Bsong wrote:

I just tried it myself without entering in my SS# and it has given me a bunch of CAP1 and FIRST PREMIER cards which I have no interest in....
I see that someone mentioned that the results will be the same without putting my SS#; is that true for anyone else?

I just answered my own question by having my wife try the site out. It gave her better results, which I expected.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Anonymous — Tue, 04 Jun 2013 22:39:50 GMT

My "exclusive offer" was the Amex Delta Skymiles Card, nice.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

LS2982 — Tue, 04 Jun 2013 22:42:14 GMT

@Anonymous wrote:
Just tried it and gave me First Premier (UGH) and capital one(which I already have 3 cards with so would not be approved)

Good luck

Thats cold blooded!!!!

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Anonymous — Tue, 04 Jun 2013 22:47:10 GMT

I just ran it again WITH my SS this time...and it's giving me the exact same results I posted in this thread: http://ficoforums.myfico.com/t5/Credit-Cards/Creditcards-com/td-p/2124917/page/2 when I didn't enter the SS.

Gold Delta SkyMiles Credit Card from American Express

Blue Cash Everyday Card from American Express

Blue Cash Preferred Card from American Express

Capital One® VentureOneSM Rewards Credit Card

Capital One® Platinum Prestige Credit Card

Capital One® Venture Rewards Credit Card

Capital One® Cash Rewards

Simmons First Visa Platinum Rewards

First PREMIER Bank MasterCard Credit Card

Simmons First Visa Platinum

First PREMIER Bank Classic Credit Card

First PREMIER Bank Gold Credit Card

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Anonymous — Tue, 04 Jun 2013 22:55:18 GMT

Just curious, has anyone been offered chase cards through it? Because I have only seen Amex, cap one, and some others but no chase.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

HiLine — Tue, 04 Jun 2013 23:00:12 GMT

@Anonymous wrote:
Just curious, has anyone been offered chase cards through it? Because I have only seen Amex, cap one, and some others but no chase.

I have never seen any cards other than Amex, Capital One, and crappy subprime cards.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

Anonymous — Tue, 04 Jun 2013 23:02:57 GMT

@HiLine wrote:
@Anonymous wrote:
Just curious, has anyone been offered chase cards through it? Because I have only seen Amex, cap one, and some others but no chase.
I have never seen any cards other than Amex, Capital One, and crappy subprime cards.

I have no clue, but I'd hazzard a guess that kickbacks are involved in the offerings. Not a bad thing if terms are better apping, or in my case LOL, drapping.

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

kroberts67 — Wed, 05 Jun 2013 00:14:44 GMT

I wonder if it bumps up the number of prescreened offers you get in the mail...

Re: How Reliable Is CreditCards.com's CC PreScreen Offers?

RSCo — Wed, 05 Jun 2013 01:03:34 GMT

@Anonymous wrote:
@HiLine wrote:
@Anonymous wrote:
Just curious, has anyone been offered chase cards through it? Because I have only seen Amex, cap one, and some others but no chase.
I have never seen any cards other than Amex, Capital One, and crappy subprime cards.
I have no clue, but I'd hazzard a guess that kickbacks are involved in the offerings. Not a bad thing if terms are better apping, or in my case LOL, drapping.

exactly.... some of the blogger sites that recommend cards get as much as 300.00 PER REFRAL from the credit card companies...