Re: Nerdwallet/Chase Prequalification

CreditSage · ‎08-22-2019

Does this count as a prequalification for chase? I used nerdwallet..

<Mod note: Broken link removed. --UB>

When I use chase.com/prequalified it comes back no but nerdwallet is saying yes..

Current Open: NFCU AMEX $6,800 CL | Chase Freedom $3,800 CL | QS1 $1,300 CL | BankAmericard $24,000 CL (AU) | NFCU SSL $3,000 |
FICO 8 EXP, EQ, TU: 675-715 (depending on Utl.) | AAoA 3 Years 3 Months | AoYA 0 Months

Closed: American Honda Finance Installment $16,000 paid satisfactorily | Capital One Secured $700 paid satisfactorily | Wells Fargo credit card $3,000 paid charge off settled less than full amount (badie 2015) | Bank of America credit card $1,000 paid charge off settled less than full amount (badie 2015)

Meanmchine · ‎08-22-2019

Link is broken

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching

Jnbmom · ‎08-22-2019

@CreditSage wrote:
Does this count as a prequalification for chase? I used nerdwallet..

<Mod note: Broken link removed. --UB>

When I use chase.com/prequalified it comes back no but nerdwallet is saying yes..

I am pretty sure Nerd is just like CK, just paid advertisements and they get a kick when you apply, not a true prequalify at all.

EXP 780 EQ 796 TU 810

CreditSage · ‎08-22-2019

Wouldn't let me properly put the link in.. just copy paste into your browser

Current Open: NFCU AMEX $6,800 CL | Chase Freedom $3,800 CL | QS1 $1,300 CL | BankAmericard $24,000 CL (AU) | NFCU SSL $3,000 |
FICO 8 EXP, EQ, TU: 675-715 (depending on Utl.) | AAoA 3 Years 3 Months | AoYA 0 Months

Closed: American Honda Finance Installment $16,000 paid satisfactorily | Capital One Secured $700 paid satisfactorily | Wells Fargo credit card $3,000 paid charge off settled less than full amount (badie 2015) | Bank of America credit card $1,000 paid charge off settled less than full amount (badie 2015)

Anonymous · ‎08-23-2019

Most of the free CMS sites make their money by getting paid when you app a card through their site. Do not go by their recommendations. CK keeps telling me I’m a great fit for the Citi DC but when I’ve looked at the Citi prequal there is no offer, and I know my scores are not in Citi territory anyhow. If you want to know about qualifying for a card, do it through that issuer’s site. Don’t trust a 3rd party site that doesn’t examine the whole of your report.

IIRC Citi pulls EX and/or EQ normally, and NerdWallet watches TU. Let that be a sign.

Anonymous · ‎08-23-2019

no, just a paid advertisor...

Remedios · ‎08-23-2019

They peddle cards, so pay no attention to that. That's why it's a free website, just like CK. Nerd wallet gets commercial referral fee, whether your're approved or not, so their job is to entice you to apply using the link on their website

As far as Chase goes, with decent and (relatively) aged profile, if you're under 5/24, cold app is perfectly fine. You do not need prequal and prequal does not mean that you'd get approved anyway.

If you're interested in their cards, there is only one way to find out. It's just a HP (or two).

CreditSage · ‎08-23-2019

It's weird because I had to give nerdwallet my social, birthday, etc. so it seemed like they did a soft pull to prequalify me... oh well

Current Open: NFCU AMEX $6,800 CL | Chase Freedom $3,800 CL | QS1 $1,300 CL | BankAmericard $24,000 CL (AU) | NFCU SSL $3,000 |
FICO 8 EXP, EQ, TU: 675-715 (depending on Utl.) | AAoA 3 Years 3 Months | AoYA 0 Months

Closed: American Honda Finance Installment $16,000 paid satisfactorily | Capital One Secured $700 paid satisfactorily | Wells Fargo credit card $3,000 paid charge off settled less than full amount (badie 2015) | Bank of America credit card $1,000 paid charge off settled less than full amount (badie 2015)

Anonymous · ‎08-23-2019

For what its worth I never could get anything from the Chase Pre qualification site either. I read another post on here that steared me toward the Chase Credit Journey as an alternate source of offers. (https://www.chase.creditviewdashboard.com/CreditView/login.page?enterprise=ChaseBankNA). Not sure if its needed or not but it was enough to get me to apply and get approved with a nice SL.

Good Luck.

UncleB · ‎08-24-2019

@CreditSage wrote:
Wouldn't let me properly put the link in.. just copy paste into your browser

@CreditSage I've removed the link since it was to a file on your computer's desktop, meaning it would work for you but not for anybody else.

--UB

Nerdwallet/Chase Prequalification

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Nerdwallet/Chase Prequalification