How often to check prequal sites?

[Anonymous]

---

@Anonymous wrote:

---

@tcbofade wrote:

I'll assume that monthly is often enough...

I know that Chase, Citi, and Cap One have pretty solid pre qual offers...when they show up.

How often do you check?  How often do they update their info?  Does anyone know if they do a soft pull everytime you fill out a prequal request?

---

I used to check daily until i signed up to receive daily credit report monitoring. Now I can see if and when I am SP'd. 100% of all my preapprovals have came after I seen a SP from a creditor. Comenity SP's the hell out of me even though I have 2 of there cards that I will never use (rewards are better on Bank Cards). 

---

What monitoring service are you using that provides soft pulls?

[Bone35]

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@tcbofade wrote:

I'll assume that monthly is often enough...

I know that Chase, Citi, and Cap One have pretty solid pre qual offers...when they show up.

How often do you check?  How often do they update their info?  Does anyone know if they do a soft pull everytime you fill out a prequal request?

---

I used to check daily until i signed up to receive daily credit report monitoring. Now I can see if and when I am SP'd. 100% of all my preapprovals have came after I seen a SP from a creditor. Comenity SP's the hell out of me even though I have 2 of there cards that I will never use (rewards are better on Bank Cards). 

---

What monitoring service are you using that provides soft pulls?

---

YES...Please do tell

[Anonymous]

---

@Anonymous wrote:

About once a week. Interesting note: I had pre approvals for five cards on Citi's site. A week after I got the DC, it was back to "we can't find anything."

---

Interesting, since the chase prequalification site includes "or you have recently responded to another offer" in the text when no card offers are found. Not unlikely that a lot of other lenders do the same.

[Bone35]

---

@Anonymous wrote:

---

@Anonymous wrote:

About once a week. Interesting note: I had pre approvals for five cards on Citi's site. A week after I got the DC, it was back to "we can't find anything."

---

Interesting, since the chase prequalification site includes "or you have recently responded to another offer" in the text when no card offers are found. Not unlikely that a lot of other lenders do the same.

---

I think CAPTOOL was implying that they update more frequently than some might think, therefor checking more than once a month might not be too much..

By sharing that experience, it helps answer OP's original question.

[tcbofade]

Thanks all.  We're hoping to refinance in 2017, so I'm not going to be looking much longer.

Methinks that I will check the pre qual sites 01 June, and maybe again somewhere near the end of June.  We shall see.

[UncleB]

As a data point, my last baddie dropped off on May 1 (May 4 for TU) and I've checked several times with Capital One, since I'm expecting an offer with a better APR than what they have been offering... so far it's the same offer, though.

I'll also add that for the first time (ever) I received a pre-qual throuh the mail from Citi for Simplicity and the DC (both with a set APR, albeit a high one).  I think these prequal offers were generated before the baddie dropped (and my score increased) but oddly when I check Citi's online site it tells me there's no pre-qual at all.  I might cold-app in a few days or so to see what happens.

I can also add that my pre-qual offer with Wells Fargo is the same as it's always been (high APR) so either my profile still isn't to their liking, or they haven't updated my SP since last month.

[Anonymous]

---

@Bone35 wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:

About once a week. Interesting note: I had pre approvals for five cards on Citi's site. A week after I got the DC, it was back to "we can't find anything."

---

Interesting, since the chase prequalification site includes "or you have recently responded to another offer" in the text when no card offers are found. Not unlikely that a lot of other lenders do the same.

---

I think CAPTOOL was implying that they update more frequently than some might think, therefor checking more than once a month might not be too much..

By sharing that experience, it helps answer OP's original question.

---

Not necessarily an update, but perhaps a data point added to whatever database they are looking at when they generate responses to the prequalifer site.  Ap;ogies, I should have been clearer with my implications. 

[Nova5041]

Once a month for me, don't know why I check that often either.  It seems to only change every few months.  Lol But it does help with the app cravings! 😊

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@tcbofade wrote:

I'll assume that monthly is often enough...

I know that Chase, Citi, and Cap One have pretty solid pre qual offers...when they show up.

How often do you check?  How often do they update their info?  Does anyone know if they do a soft pull everytime you fill out a prequal request?

---

I used to check daily until i signed up to receive daily credit report monitoring. Now I can see if and when I am SP'd. 100% of all my preapprovals have came after I seen a SP from a creditor. Comenity SP's the hell out of me even though I have 2 of there cards that I will never use (rewards are better on Bank Cards). 

---

What monitoring service are you using that provides soft pulls?

---

I pay for EX, EQ & TU independent of myfico. TU kinds sucks due to not offering a FICO score. Those Vantage scores are demoralizing. 

[RonM21]

I'm with the general thought that a month may be enough. Seems like they don't update more often than a month, in my experience.