Overstock Question re: SCT

[Anomalous]

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@Anonymous wrote:

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@Anomalous wrote:

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@Anonymous wrote:
Does anyone know who they softpull? I thought my score was around 660 for EQ but it's actually 692 Fico. I may try for the pop up myself.

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I believe they SP EX.

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EQ

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I stand corrected. I couldn't recall without going back to review my CRs.

[RebuildingAgain14]

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@Anonymous wrote:

From what I recall, you do have to have an account to get the popup...I remember that my Overstock account automatically had the credit card number inserted in so I could order even before getting card  Somebody else said once you click the Billing is same as shipping address button, it popped up.

I don't remember from my experience exactly what I did but I do know it's a SP for Overstock up to this point.

Your credit score may be a factor.  The lowest I've seen to get the Overstock popup is 620. on EQ I believe.

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I figured that might be the issue, until someone posted about 'finally' getting the pop-up a few days ago--with a 600 EQ score.

[NP27]

SP EQ

[SunriseEarth]

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@Anonymous wrote:

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@Anomalous wrote:

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@Anonymous wrote:
Does anyone know who they softpull? I thought my score was around 660 for EQ but it's actually 692 Fico. I may try for the pop up myself.

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I believe they SP EX.

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EQ

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Most report EQ.  However, they SP'ed EX for me.  

[SunriseEarth]

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@Anonymous wrote:

From what I recall, you do have to have an account to get the popup...I remember that my Overstock account automatically had the credit card number inserted in so I could order even before getting card  Somebody else said once you click the Billing is same as shipping address button, it popped up.

I don't remember from my experience exactly what I did but I do know it's a SP for Overstock up to this point.

Your credit score may be a factor.  The lowest I've seen to get the Overstock popup is 620. on EQ I believe.

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This is similar to my experience.

[sreneesa]

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My scores were lower than 620 when I got the pop-up and approved for 2000. That was a few months ago. Now im at 2400 thanks to luv button. ..my scores are better now.

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@Anonymous wrote:

From what I recall, you do have to have an account to get the popup...I remember that my Overstock account automatically had the credit card number inserted in so I could order even before getting card  Somebody else said once you click the Billing is same as shipping address button, it popped up.

I don't remember from my experience exactly what I did but I do know it's a SP for Overstock up to this point.

Your credit score may be a factor.  The lowest I've seen to get the Overstock popup is 620. on EQ I believe.

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[Anonymous]

Thanks for the information. I tried the SCT and nothing for me. I tried firefox, IE, chrome and chrome icognito, nada!

[Anonymous]

You do not have to already have an account. They have been SP'ing Experian. All I did was check the box for Billing Same As Shipping and I got the popup. I checked out as a Guest.

[Bdj1]

I just went to overstock, chrome incognito, added memory foam bed at just over 300, went with guest checkout, ....

"You have been pre-approved
for an Overstock™ Store Credit Card**"

For how much? Limit? HP? SP? 

"* Coupon can only be used once. Total discount limited to $5,000. Does not apply to items in current site promotions. Purchases of gift cards and products from the "Electronics" store and from the "Books, Movies, Music & Games" and "Cars" categories are not included. Discount will appear on the billing page before submitting the order. This coupon cannot be combined with any other offer or coupon. Offer subject to end at any time. Offer subject to credit approval.

† Promotional financing available with Overstock.com Store Credit Card Accounts offered by Comenity Capital Bank who determines qualifications for credit and promotion eligibility. Minimum purchase and minimum monthly payments are required. Minimum purchase of $249 required for 6 months special financing plan and minimum purchase of $499 required for 12 month special financing plan when financing plan is selected at checkout.

‡ Standard variable APR of 26.99%, based on the Prime Rate. Minimum Interest is $2.00 per credit plan.

**Subject to final credit approval. Overstock.com Store Credit Card Accounts are issued by Comenity Capital Bank. Please click here for important rate, fee and other cost information."

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My fico is just around 700, plus/minus 10.

Not going to accept or apply.  Just an FYI for those who were interested.

[Anonymous]

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@Bdj1 wrote:

I just went to overstock, chrome incognito, added memory foam bed at just over 300, went with guest checkout, ....

"You have been pre-approved
for an Overstock™ Store Credit Card**"

For how much? Limit? HP? SP? 

 ..

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My guess would be for a $4,500 limit and an EQ SP.

Only 1 way to find out