Comenity Bread Financial American Express Pre-Approved with a Frozen Credit File???

[dscredit8]

I received an American Express Pre-Approved offer in the mail and had a couple of questions.

1. My credit files are frozen, will they process the application without unfreezing my credit reports? Has anybody been approved with a freeze on their credit report?

2. What are the odds of approval with a pre-appoved offer? Will they tell you the credit limit if approved?

Thanks.

[coldfusion]

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@dscredit8 wrote:

I received an American Express Pre-Approved offer in the mail and had a couple of questions.

1. My credit files are frozen, will they process the application without unfreezing my credit reports? Has anybody been approved with a freeze on their credit report?

2. What are the odds of approval with a pre-appoved offer? Will they tell you the credit limit if approved?

Thanks.

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1.  No. 

2. Mailed prequalifications are based upon a bulk screening of targeted potential cardholders using a basic set of criteria; that is usually done with data pulled a couple of months before the mailers/emailers are sent out.  If there haven't been any substantive changes like new inquiries/accounts or big change in card utilization over the last 2-3 months odds while not 100% should be good.   If there have been such changes the reliabilty of such a prequalification diminishes and odds of approval shift.