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Prequals finally coming in! - Decision time!

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Anonymous
Not applicable

Re: Prequals finally coming in! - Decision time!

My scores are at 700(Fico 8) +/- 5 depending on branch across the board now.

Message 11 of 15
CreditInspired
Community Leader
Super Contributor

Re: Prequals finally coming in! - Decision time!

Any baddies?

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 12 of 15
Anonymous
Not applicable

Re: Prequals finally coming in! - Decision time!

Ya I had a 60 day late from over a year ago, but think places stopped caring.. Last month I got no pre-approvals/offers. Now they are showing up.

 

My net income is just shy of 200k also, so that probably doesnt hurt.

Message 13 of 15
Anonymous
Not applicable

Re: Prequals finally coming in! - Decision time!

Fico + income = doesn't calculate..... Pre-Screens don't know your income either. 

 

IT's all based on the 3-digit number and additional criteria they submit when requesting "leads" for marketing.

 

If you aged out that 60 day 1 year it might be a factor they're looking for people w/o any lates in the past 12 months.  Other lenders might be looking for 24 or 36 months when they pay for a list.  

Message 14 of 15
mikesonthemend
Valued Contributor

Re: Prequals finally coming in! - Decision time!

I do believe pre-screens are 30 - 60 day look backs. If you have improved significantly in last 30 days a hard pull is your best bet.




Living through Darwinism is so much worse than learning about about it in school.
Message 15 of 15
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