myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Opting Back In

tag
Get Access Now
puckster23
Contributor
‎01-20-2016 10:24 PM
‎01-20-2016 10:24 PM

Re: Opting Back In

I was opted out and received noting.  November I opted back in and I still received nothing, expect for Discover whom I was approved for and still receive offers.  Other then that nothing.  I have never been able to get any offers or pre-quals on lenders websites.  However besides the Discover I was approved for 2 Amex's and a NFCU card.  So offers don't mean much I guess.  Just app.  What's the worse can happen?

Current Scores - EX-754, EQ-716, TU-751 Cards - Amex BCP(13800), Amex PRG, Amex Everyday(5000), Discover IT(3000), Navy Fed Go Rewards(11800), Cap One Sony Card(4000), Chase Freedom(5000), Chase Slate(5000)
Message 11 of 16
0 Kudos
floweryu
New Contributor
‎01-20-2016 10:54 PM
‎01-20-2016 10:54 PM

Re: Opting Back In

It took me less than 1 week to get pre-approvals on CapitalOne and Chase. Nothing with Amex yet. Does anyone know how frequently they update their database? 

Message 12 of 16
0 Kudos
olehammer
Frequent Contributor
‎01-21-2016 09:20 AM
‎01-21-2016 09:20 AM

Re: Opting Back In

I had an additional thought today that lack of pre-screened offers may be tied to a fraud alert?  Experian threw one on my file, which then spread to all three, when I requested an address correction.


Message 13 of 16
0 Kudos
Anonymous
Not applicable
‎01-21-2016 02:04 PM
‎01-21-2016 02:04 PM

Re: Opting Back In

@olehammer wrote:

I had an additional thought today that lack of pre-screened offers may be tied to a fraud alert?  Experian threw one on my file, which then spread to all three, when I requested an address correction.

Yep. That happened to me after I triggered a fraud alert, because of a false medical collection, I had removed. I had to contact EX, EQ, and TU and lift the fraud alert. I started getting SCT popups a few weeks after I opted in. I have never got a pre approval from Cap. One or any of the big cc companies since the fraud alerts. But, I cold apped and got a Venture in Dec.

Message 14 of 16
olehammer
Frequent Contributor
‎02-15-2016 07:50 AM
‎02-15-2016 07:50 AM

Re: Opting Back In

Still nothing yet!  No letters, no prequals, no SCTs.    I went ahead and submitted yet another opt-in request for good measure.

 

Funny thing is I don't even want a new card right now!  I just want to use the prequals to gauge my rebuilding results.


Message 15 of 16
0 Kudos
Anonymous
Not applicable
‎02-15-2016 12:58 PM
‎02-15-2016 12:58 PM

Re: Opting Back In

@Anonymous wrote:

Takes about 6 months to start getting offers again.

This is exactly what I noticed too - after the 6 month mark I have suddenly started getting offers in the mail almost daily.

once or twice a week for Discover IT, a few now for AmEx green, and one from CreditOne which I didn't even bother opening before running through the shredder Smiley Happy

Message 16 of 16
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.