Do I need to opt-in to pre-screen offers in order to apply for a credit card?

[cedric_86]

I had recently opted out.  Do I need to opt back in if I want to try some pre-qual links?

I want to apply for a card or 2 but want to make sure I have the best chances of qualifying before doing a hard pull.  So, if I need to opt back in in order to try some pre-quals before applying, I will do so.

[M_Smart007]

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@cedric_86 wrote:

I had recently opted out.  Do I need to opt back in if I want to try some pre-qual links?

I want to apply for a card or 2 but want to make sure I have the best chances of qualifying before doing a hard pull.  So, if I need to opt back in in order to try some pre-quals before applying, I will do so.

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I believe if your reports are not locked or frozen, you are good to go

[Anonymous]

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@cedric_86 wrote:

I had recently opted out.  Do I need to opt back in if I want to try some pre-qual links?

I want to apply for a card or 2 but want to make sure I have the best chances of qualifying before doing a hard pull.  So, if I need to opt back in in order to try some pre-quals before applying, I will do so.

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Opt in is for by-mail offers where they can market to you based on a list from the CRA that says you fit their profile. Opting out tells the cras they can't put your name on those lists. 

When you use a pre-qual link, part of that form has words authorizing them to obtain info from the CRAs, hence authorizing them to perform a SP. 

[cedric_86]

Great.  Thanks.

For my spouses account, we have disputed some things online.  Do we need to wait until the investigation is completed before applying for cards on his account?

[Anonymous]

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@cedric_86 wrote:

Great.  Thanks.

For my spouses account, we have disputed some things online.  Do we need to wait until the investigation is completed before applying for cards on his account?

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Mortgage yes, Cards no, but sometimes there are score hits for disputes - so YMMV. If the dispute has shown up on your report and your score hasn't gone down after 3-5 days, you should be ok.  The SAFEST bet is to wait, but you should be fine.