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Pre Approves and SCT not working

Valued Member

Pre Approves and SCT not working

I have been testing the water  I can not get any pre approvals  not even Secured cards Ive also tried SCT no pop ups   . I read that i could be opted out  however i get a letter a week from Credit one wanting me to get a card and just this week i got a offer from  Lendup Arrow card 

 

I also get a ton of pre apporved loan mail from lending tree 

Starting Score: 01-2018-TU=645 EQ=598 EX=605
Current Score:03-05-1018 TU 667 EQ 665 EX 659
Goal Score: By 2019 --700+ Across the board


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Message 1 of 11
10 REPLIES
Valued Member

Re: Pre Approves and SCT not working

That's strange. What does your credit file look like? High utilization? Baddies? Charge offs? BK? All this considered, you should be able to get a pre-approval for something like a secured card if your scores are up to date. One thing I noticed is that back when I moved in October, I couldn't use my new address for pre-approval apps because I guess it wasn't on the bureaus' files or something. 

Amex Everyday $6000 | Amex Blue Cash Everyday $1600 | Amex Delta Gold $1000 | Capital One QuickSilverOne $500 | Discover It $2000 | Amazon Store Card $3000

EXP: 722
TU: 707
EQ: 691
Message 2 of 11
Valued Member

Re: Pre Approves and SCT not working


@JustJoshiiewrote:

That's strange. What does your credit file look like? High utilization? Baddies? Charge offs? BK? All this considered, you should be able to get a pre-approval for something like a secured card if your scores are up to date. One thing I noticed is that back when I moved in October, I couldn't use my new address for pre-approval apps because I guess it wasn't on the bureaus' files or something. 


My scores are higher now that what it says in current scores . Have had all collections removed but 1 and its paid off will fall off on its on in 4 months  showing 2 charge offs but they have been paid back only 3% on UTI

Starting Score: 01-2018-TU=645 EQ=598 EX=605
Current Score:03-05-1018 TU 667 EQ 665 EX 659
Goal Score: By 2019 --700+ Across the board


Take the myFICO Fitness Challenge
Message 3 of 11
Valued Member

Re: Pre Approves and SCT not working


@howellco2wrote:

@JustJoshiiewrote:

That's strange. What does your credit file look like? High utilization? Baddies? Charge offs? BK? All this considered, you should be able to get a pre-approval for something like a secured card if your scores are up to date. One thing I noticed is that back when I moved in October, I couldn't use my new address for pre-approval apps because I guess it wasn't on the bureaus' files or something. 


My scores are higher now that what it says in current scores . Have had all collections removed but 1 and its paid off will fall off on its on in 4 months  showing 2 charge offs but they have been paid back only 3% on UTI


I think it varies by company how they handle paid off COs, but this whole situation seems kinda wonky to me. I think you'd probably be okay to cold apply for something, maybe not a top tier card, but like Capital One's QS, Discover IT, or maybe even one from Chase's Freedom line. I'm no expert, but I'm leaning towards it being possible that the pre-qualify algorithms simply don't like the baddies even though they're taken care of for the most part. Heck, it's possible the one collection still reporting is the culprit. 

Amex Everyday $6000 | Amex Blue Cash Everyday $1600 | Amex Delta Gold $1000 | Capital One QuickSilverOne $500 | Discover It $2000 | Amazon Store Card $3000

EXP: 722
TU: 707
EQ: 691
Message 4 of 11
Established Member

Re: Pre Approves and SCT not working

Are you currently opted-out of receiving pre-screened offers? If you opted-out, you will never get SCT to work or pre-qualified offers from banks. Just a thought.
Message 5 of 11
Valued Member

Re: Pre Approves and SCT not working

Not sure if I'm opted out I don't think so I get a couple credit one letters a week
Starting Score: 01-2018-TU=645 EQ=598 EX=605
Current Score:03-05-1018 TU 667 EQ 665 EX 659
Goal Score: By 2019 --700+ Across the board


Take the myFICO Fitness Challenge
Message 6 of 11
New Contributor

Re: Pre Approves and SCT not working

Try going to the store for which you are trying to get a card on the SCT through the incognito window.  Put a couple of items in your cart and check out as a guest.  When you type in your information, try typing it out completely and not using the autofill feature that pops up as you start typing. Continue the check out process as normal and when you get to the payment screen, it shoudl pop up. Of course this is not guaranteed, but it has worked consistently for me when I was trying to get the Children's Place card. 

 

One thing to note is to use the address that is the most recently reported address on your credit report if you have more than one.  I kept getting a 7-10 day message when I used my home address, but when I tried my apartment, I was instantly approved. 

 

Good Luck.

You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 7 of 11
Frequent Contributor

Re: Pre Approves and SCT not working

You could still be opted out, I had to opt back in for some reason and I was only getting consolidation loan and really bad credit card offers, maybe from old information?

 

Once I opted back in, I started getting some better offers in the mail and began to get other offers on prequal sites. Also, not sure how long ago your derogatories are but make sure none in the past 12 months, I've never had luck with prequal offers until i hit the 13th+ month of on time payments mark. When I botched things up in November/December of 2016, I didn't get good offers until Jan of 2018. 


Starting Score-(01/2017): FICO ||EX:575--EQ:549--TU:588||
Current Score--(04/2018): FICO ||EX:686--EQ:697--TU:715||




Message 8 of 11
Valued Member

Re: Pre Approves and SCT not working


@carolinagirl11wrote:

Try going to the store for which you are trying to get a card on the SCT through the incognito window.  Put a couple of items in your cart and check out as a guest.  When you type in your information, try typing it out completely and not using the autofill feature that pops up as you start typing. Continue the check out process as normal and when you get to the payment screen, it shoudl pop up. Of course this is not guaranteed, but it has worked consistently for me when I was trying to get the Children's Place card. 

 

One thing to note is to use the address that is the most recently reported address on your credit report if you have more than one.  I kept getting a 7-10 day message when I used my home address, but when I tried my apartment, I was instantly approved. 

 

Good Luck.


That worked Overstock popped up said i was approved but it ask for my whole SSN i dont want to risk a hard pull right now trying to get score to 700 by April so i can get a 4% refinace loan with my local CU     ..... The big boys still wont pre approve

Starting Score: 01-2018-TU=645 EQ=598 EX=605
Current Score:03-05-1018 TU 667 EQ 665 EX 659
Goal Score: By 2019 --700+ Across the board


Take the myFICO Fitness Challenge
Message 9 of 11
New Contributor

Re: Pre Approves and SCT not working


@howellco2wrote:

@carolinagirl11wrote:

Try going to the store for which you are trying to get a card on the SCT through the incognito window.  Put a couple of items in your cart and check out as a guest.  When you type in your information, try typing it out completely and not using the autofill feature that pops up as you start typing. Continue the check out process as normal and when you get to the payment screen, it shoudl pop up. Of course this is not guaranteed, but it has worked consistently for me when I was trying to get the Children's Place card. 

 

One thing to note is to use the address that is the most recently reported address on your credit report if you have more than one.  I kept getting a 7-10 day message when I used my home address, but when I tried my apartment, I was instantly approved. 

 

Good Luck.


That worked Overstock popped up said i was approved but it ask for my whole SSN i dont want to risk a hard pull right now trying to get score to 700 by April so i can get a 4% refinace loan with my local CU     ..... The big boys still wont pre approve


I would just keep trying and definitely don't put in your whole social.  Last 4 digits only.

You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 10 of 11