Chances of Quicksilver Approval with Pre-Qual

[Rebuilding69]

Cap1 pre-quals are not always solid, but grats to the OP!

[Anonymous]

My FAKO on CreditKarma dropped 9 points.
Is that about what I can expect, or will it drop more soon?

It shouldn't matter much. I'm just curious.

[Anonymous]

Also, it does look like it doubled the hard pulls. Maybe I just didn't apply close enough together?
ETA: 4 hours, in case anyone is wondering

[Rebuilding69]

I applied about 1 minute apart or less & got double 3x pull. It's just YMMV.

[OmarGB9]

Might've helped if you'd apped minutes apart rather than 4 hours. No biggie though. The inquiries will fade soon enough. Grats on the double approval!

[Anonymous]

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@OmarGB9 wrote:
Might've helped if you'd apped minutes apart rather than 4 hours. No biggie though. The inquiries will fade soon enough. Grats on the double approval!

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Yeah. Oh well. The only other hard pull on my credit probably will be completely gone in a year (we applied and were approved for a home loan last December, then opted to continue to rent - 3% interest with my husband's credit still a little weak too!). We do intend to look a buying a car within the next little while, but it could be as long as 2 years, and we'll likely pay cash anyway.
Now I just have to decide if I want to apply for a USAA card in my husband's name, and when I should plan on canceling the secured card....

[Anonymous]

Just thought I'd update for anyone who is curious. The double HP was showing on my report via CreditKarma the day of, but it's posted as a single HP now. The FAKO stayed the same, but the actual report is less dramatic.

[Jerry45]

Ouch. Thanks for the heads up

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@Rebuilding69 wrote:

I applied about 1 minute apart or less & got double 3x pull. It's just YMMV.

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[Anonymous]

That's good! Sometimes they both appear at first, but the credit bureau's assume that it was an accidental double pull I think, and eventually delete the second one.

And by the way, sign up for Navy Federal Credit Union!!!! in my opinion they are the best, and better than USAA!
I would go for a credit card AND a checking line of credit!

[Anonymous]

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@Anonymous wrote:
That's good! Sometimes they both appear at first, but the credit bureau's assume that it was an accidental double pull I think, and eventually delete the second one.

And by the way, sign up for Navy Federal Credit Union!!!! in my opinion they are the best, and better than USAA!
I would go for a credit card AND a checking line of credit!

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I think it'd be a hard sell to my husband. I tried to convince him we should get a Navy Federal secured card, instead of USAA, because if I remember correctly it wouldn't have had an annual fee and may have earned rewards? but he wouldn't go for it. He's oddly loyal to USAA...
I have to ease him into change, and the next one I want to work on is moving the bulk of our savings into a higher yield savings account. USAA's interest rate for savings accounts is horribly low.
I was actually very surprised at how amenable he was to the credit cards...