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How Long after opting in do you get pre-app?

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Anonymous
Not applicable

How Long after opting in do you get pre-app?

I opted in about 2 months ago and nothing as far as mailers and SCT pop up etc. I opted in again last night and I will see what happens. Just wondering how long it takes for the creditors to get my information? My CR would support preapp. My FICO scores are basically 760 across the board and AAoA of 4 years and 6% util. So, I would think I could get a pop up on some of these sites. Then again, maybe not.

Message 1 of 11
10 REPLIES 10
LadyJEsq
Established Contributor

Re: How Long after opting in do you get pre-app?

I believe it's two months. If you opted in two months ago, maybe it's slightly longer. I'm impatiently waiting for my time to toll as well. 

**FICO 8 Scores EQ EX TU **


Message 2 of 11
Anonymous
Not applicable

Re: How Long after opting in do you get pre-app?

Thanks

Message 3 of 11
Anonymous
Not applicable

Re: How Long after opting in do you get pre-app?

I know how to OPT out. And I guess a person would OPT in of they OPTed out. Does a person ever OPT in if they never OPTed out?

Message 4 of 11
Anonymous
Not applicable

Re: How Long after opting in do you get pre-app?

Closing on a house and DW likes some dining chairs from Wayfair. All these SCT for them the last day has me at the edge of my seat. lol

Message 5 of 11
Anonymous
Not applicable

Re: How Long after opting in do you get pre-app?


@Anonymous wrote:

I know how to OPT out. And I guess a person would OPT in of they OPTed out. Does a person ever OPT in if they never OPTed out?


I don't think you would opin if you never opted out. I had my credit frozen a few years ago though.

Message 6 of 11
ojefferyo
Valued Contributor

Re: How Long after opting in do you get pre-app?

It took me about 4-5 months before the opt-in took effect. And during those months I opted-in a few more times just in case. I would ocasionally run the pre-qual on different sites and once it popped up then I knew I was back in. 

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 7 of 11
Countingpennies
Established Contributor

Re: How Long after opting in do you get pre-app?

Unfortunately, one of the side effects of freezing Ex is the automatically opt you out. So, immediately after freezing about a month ago, I opted in. I've also done it a few extra times since. I guess I've got a bit of a wait.

Message 8 of 11
needmocredit
Established Member

Re: How Long after opting in do you get pre-app?

i just opted back in tonight after finding no matches in preapprovals.

 

cant wait to get some offers in the mail!



Message 9 of 11
Anonymous
Not applicable

Re: How Long after opting in do you get pre-app?


@ojefferyo wrote:

It took me about 4-5 months before the opt-in took effect. And during those months I opted-in a few more times just in case. I would ocasionally run the pre-qual on different sites and once it popped up then I knew I was back in. 


wow. I didn't think it would take that long. Thanks

Message 10 of 11
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