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Fairwinds CU Prequalify - Solid?

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daveg38
Established Contributor

Fairwinds CU Prequalify - Solid?

I applied for their Cash Rewards card. 

HP pulled EQ.

 

Says prequalified for up to $5k. Also prequalified for up to $5k personal loan and an auto up to $25k.

 

Is this solid? 

**edit: it's not. A waste of a hard pull**

Ch7 Discharge: 5/14/2016 | Target RedCard $900 | Merrick DYL $500
Message 1 of 4
3 REPLIES 3
FireMedic1
Community Leader
Mega Contributor

Re: Fairwinds CU Prequalify - Solid?

Need to grow and age your file some more. "Mission Lane $750, Williams-Sonoma $500, Credit One $400, Express $250 " Still in the baby steps after BK. Same goes for the auto loan your asking about in the other sub forum. Age and history needs a bit more time. What are your scores?


Message 2 of 4
Jnbmom
Credit Mentor

Re: Fairwinds CU Prequalify - Solid?

Your card line up appears to be subprime cards . Your BK was discharged in 2016? What are your current FICO scores  , did you just start rebuilding  or are there  any negatives on your reports ?

EXP 780 EQ 796 TU 810
Message 3 of 4
coldfusion
Community Leader
Mega Contributor

Re: Fairwinds CU Prequalify - Solid?

How did you prequalify for the card?  I know they send out invitations to apply but have never heard of their extending targeted prequals or offering an ability to prequal on their website, only to jump to submitting an application.

(11/2024)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 4
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