FNBO PreQual Question

ReGuy71 · ‎09-30-2021

If I PreQual and am denied for the Evergreen, would FNBO use the same HP for consideration of their secured card?

Self Secured Visa - $2,000 (1/20), closed 8/21 and deposit returned
USB Secured Visa - $2,500 (9/20)
Apple Card - $2,950 (4/21)
Langley FCU - $2,500 (8/21)
Amex Gold (9/21)
Amex BCP - $2k (9/21)
Venmo- $9k (9/21)
Credit Strong Loan - $1k w/$0 balance (opened 4/21, paid 1/22)
Self Credit Builder Loans - two loans paid and closed
FICO 8 Scores Sep 2021
698 EX (4 inq-1/12)
688 EQ (2 inq-2/12)
695 TU (3 inq-2/12)
AZEO

FinStar · ‎09-30-2021

@ReGuy71 wrote:
If I PreQual and am denied for the Evergreen, would FNBO use the same HP for consideration of their secured card?

They will not. It will be a separate HP. What were the reasons for the denial?

Also, be sure your CRs are thawed if you intend to reapply.

ReGuy71 · ‎09-30-2021

No denial. Haven't applied yet but trying to decide between which card. I actually need to call them tomorrow with a question re: employer. I'm self employed and don't necessarily prepare a W-2 just take a draw or distribution. I want to make sure my employment structure is somethgn they can work with even if I have to provide tax returns.

Self Secured Visa - $2,000 (1/20), closed 8/21 and deposit returned
USB Secured Visa - $2,500 (9/20)
Apple Card - $2,950 (4/21)
Langley FCU - $2,500 (8/21)
Amex Gold (9/21)
Amex BCP - $2k (9/21)
Venmo- $9k (9/21)
Credit Strong Loan - $1k w/$0 balance (opened 4/21, paid 1/22)
Self Credit Builder Loans - two loans paid and closed
FICO 8 Scores Sep 2021
698 EX (4 inq-1/12)
688 EQ (2 inq-2/12)
695 TU (3 inq-2/12)
AZEO