FNBO Rewards Pre-Qual App Data Points (UPDATE: DENIED)

[spiritcraft1]

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@disney2 wrote:

I got the $15k limit too but they wanted secured.  I closed the screen because I have $15k for Penfed without being secured.  No thanks!

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Do you mean after the hard pull, they offered a secured card?

[alessandrom]

Very rarely do I see instant approvals with FNBO. My application I got the 2 to 4 weeks and it was approved 3 hours later 6300 SL with 719 ex Fico. good luck!

[ChargedUp]

I did it but it didn't offer me anything. They say they're sending a letter to tell me why I didn't pre-qual LOL!

Would having my reports locked prevent them from a SP?

[disney2]

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@spiritcraft1 wrote:

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@disney2 wrote:

I got the $15k limit too but they wanted secured.  I closed the screen because I have $15k for Penfed without being secured.  No thanks!

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Do you mean after the hard pull, they offered a secured card?

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No just for the prequalify. I stopped with that so they wouldn't do the hard pull.

[spiritcraft1]

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@ChargedUp wrote:

I did it but it didn't offer me anything. They say they're sending a letter to tell me why I didn't pre-qual LOL!

Would having my reports locked prevent them from a SP?

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I have had that happen to me before with some other prequal sites. Each lender is different it seems in that regard from my experience.

[kaylord84]

After my approval . When I check now it says I'm only approved for the secured card

[Shooting-For-800]

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@justjac2 wrote:

@Anonymous weren't you approved?

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Yes.  Took about 12 hours.

[CreditCuriosity]

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@ChargedUp wrote:

I did it but it didn't offer me anything. They say they're sending a letter to tell me why I didn't pre-qual LOL!

Would having my reports locked prevent them from a SP?

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Yes if reports are locked they can't SP you.  would of had to at least unlock EXP.

[Anonymous]

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@ChargedUp wrote:

I did it but it didn't offer me anything. They say they're sending a letter to tell me why I didn't pre-qual LOL!

Would having my reports locked prevent them from a SP?

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Yes. The only creditors that can pull your reports when they're locked or frozen are existing ones doing an AR. 

[Anonymous]

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@spiritcraft1 wrote:

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@ChargedUp wrote:

I did it but it didn't offer me anything. They say they're sending a letter to tell me why I didn't pre-qual LOL!

Would having my reports locked prevent them from a SP?

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I have had that happen to me before with some other prequal sites. Each lender is different it seems in that regard from my experience.

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If a lock/freeze didn't block creditors from pulling your credit period, it would be useless to protect you from fraud. The only creditors that can pull you when frozen or locked are existing ones that are doing an AR.