topic Overstock Pre-approval keeps popping up. in General Credit Topics

Overstock Pre-approval keeps popping up.

Anonymous — Fri, 05 Jan 2018 15:52:09 GMT

Hi everyone, I have a question. Every time in the last week that I've gone shopping on Overstock's website the pre-approval popup happens, I think maybe 4 times. The first time I filled in all the information and it said it was under review. Well, it happened 2 more times last week and once this morning. Poor little naive gullible me keeps filling in the information thinking it's gonna give me a credit limit and account information. It never does. My question is, am I getting dinged for all of these apps? I did check my reports and haven't seen anything come up, I am however having trouble accessing my Equifax report. Please tell me those were not hard pulls. I have been working real hard trying to get my credit score up and although I really want an Overstock card, I did not want to take that many hits for a card that I'm obviously not gonna get.

Re: Overstock Pre-approval keeps popping up.

Anonymous — Fri, 05 Jan 2018 16:03:28 GMT

Only way to confirm if you're getting dinged is by using a credit monitoring subscription (or a free one). CreditKarma.com is good for monitoring inquiries on TU and EQ, and I believe credit.com does (or did?) monitoring on EX. Don't trust their scores (not FICO there) but the monitoring is free.

Re: Overstock Pre-approval keeps popping up.

Anonymous — Fri, 05 Jan 2018 17:14:24 GMT

I actually have both, but they do not update for me until next week. Guess I have to just be patient and wait.