@wacdenny - do you mean that they are presenting you with the same page and options? Did you apply or plan to and if you did what was the outcome? Or that you agree it looks like a legit pre-approval?
What is it extremely odd about the whole thing is I have a whole bunch of new accounts since December 2014; below is all my open accounts.
• Mortgage 12/14 60k/64k
• Shared Secured Loan 4/15 500/$500
• Citi Diamond 4/15 1339/$1.5k
• Chase Freedom 3/15 1233/$3.5k
• AMEX Everyday 2/15 2615/$9k
• VS 2/15 13/$500
• Barclays Rewards 1/15 0/$1k
• Capital One QS 1/15 722/$3k
• BoA 123 2/13 835/$1k (paid down to >100 now)
• Capital One QS 1/11 472/$3.5k
Don't have yet or reported
• Discover Secured 5/15 0/$500 (funded 5/4/15)
Open Authorized Users accounts on my report;
• Chase 3/15 671/$3.5k
• Capital One 12/14 159/$800
I have 10 inquiries on TU but 1 should be removed soon since the credit union agreed to remove it - so as it stands right now the report says 10. TU inquiries are from the following dates ; 4/27/15 ( The one that should be removed), 4/14 (to join CU), 4/6, 3/3, 1/19, 1/19 (Yes 2 in 1 day, C1, Barclay), 10/8/14 ( mortgage closing), 7/22/14 (mortgage pre-approval), 7/9/14 and 7/8/14 which were both from Bank of America. So six inquiries from the past six months - hopefully that goes down the five soon.
Five inquiries on Experian dated 4/15 ( Discover card - getting a $500 secured card) 4/6, 3/3, 2/27 and 12/23/14 (Sprint / utility).
2 inquiries on Equifax dated 1/19/15 and 12/23/14 (Sprint / ultity). I also currently have EQ locked because I subscribe to their complete advantage plan.
As I mentioned above my current Bank of America account reports a balance of $835 with a limit of $1000 which is 83.5% utilization. I have since paid down the balance to under $100 and it typically updates on the reports on The 21st of each month. I subscribe to EDIT/MPM which allowed me to pull all three daily and I can pull EQ daily. At least from my view it seems to take an additional three day from when the lender updates to where it reflects the new changes on the report present it to me.
My current FICO 08 scores are EQ (5/9) 660, TU (5/10) 685 and EQ (5/10) 688.
On the Bank of America Prequalification page it said that the offers were good through 6/9. do you think I should wait until Bank of America updates on my credit report because on my reports it shows it as 85% utilized which is certainly her in my scores or do you think their internal System would pick it up is paid down? I'm thinking I should probably wait for the score boost but I am afraid that these offers will be gone by then.
With all this info do you still preapproved or should I wait or what is your advice?
Thanks for those who have commented so far and thanks in advance for those who respond in the future.
Ex681 Tu694 EQ708
