@Anonymous wrote:
Does Apple use your current TU score when checking their prequalification portal or is it the previous months score?
For a couple months I had been checking out Goldman's pre-approval process to see if I could get a better SL and found that an existing pre-approval expires after 30 days (approximately) and so I was re-applying on the 1st of each month and finding that the score returned seemed to change as I expected, each time I re-applied, relative to scores I get daily from Experian or myFico. GS provides the score they obtained every time you apply, whether they approve or not.
The SLs extended changed from month to month as well, fluctuating with my Fico9 scores.
So to answer your question, if they have previously pre-approved the approval is good for 30 days and they don't check any further during that 30 day period. If the approval expires, (after 30 days) and you subsequently re-apply, I think they do a new soft-pull.
Not sure if you're denied but my guess: they may use the same score for up to thirty days but if you wait > 30 days they probably fetch a fresh score.
Credit Profile (JUL 2024)
F8 EX 795 EQ 799, TU 802, F8 BC EX 816, EQ BC 820, F9 EX 812
TCL: $157,400, reporting available: $155,713
cc utilization: 2%, auto loan: $1832/$6850
AoOA 6Y 2M, AAoA 3Y 6M, AoYA 0M
new cc accounts 4/24, 2/12, 2/6, 2/3, INQs 12 months EX 0, EQ 2, TU 1
Personal Cards (17)
US Bank/Elan - Fidelity Visa Sig, Chase/Amazon Prime Visa, Freedom Unlimited, Bank of America CCR,
American Express BCP+CM, GS Apple Card (MC), PenFed PC Rewards, Truist Future, Citibank DoubleCash,
Discover IT + BT,Regions Cash Rewards, Wells Fargo AC, CapOne QS (x2), Synchrony PPMC +
Closed (1): Synchony Amazon Prime
Business Cards (1)
American Express BBC
