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

spiritcraft1
Valued Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)


@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!


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


|Biz | AU

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k
Message 51 of 304
alessandrom
Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)

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!




Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750
Message 52 of 304
ChargedUp
Valued Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)

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?

AODFCU 3% Visa ($10K), Amex PRG (NPSL), Amex Blue Cash ($27K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($29.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($13K), PenFed PCR ($3500), Bank of the West CB MC ($3K), PNC Cash Rewards ($14K), NASAFCU Rewards Visa ($20K), BOC/Elan Max Cash MC ($25K), BoA Business Customized Cash Rewards MC ($8k)
Message 53 of 304
disney2
Regular Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)


@spiritcraft1 wrote:

@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!


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


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

Message 54 of 304
spiritcraft1
Valued Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)


@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?


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.


|Biz | AU

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k
Message 55 of 304
kaylord84
Frequent Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)

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


Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 723 TU 665 Ex 682
Goal Score: 700 All 3


Take the myFICO Fitness Challenge
Message 56 of 304
Shooting-For-800
Senior Contributor

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)


@justjac2 wrote:

@Shootingfor800 weren't you approved?


Yes.  Took about 12 hours.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2021.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship, Synchrony, Evergreen, & Venture


Message 57 of 304
CreditCuriosity
Moderator

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)


@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?


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

Message 58 of 304
Anonymous
Not applicable

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)


@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?


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

Message 59 of 304
Anonymous
Not applicable

Re: fnbo Rewards Pre-Qual App (UPDATE: DENIED)


@spiritcraft1 wrote:

@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?


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.


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. 

Message 60 of 304
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