cancel
Showing results for 
Search instead for 
Did you mean: 

US Bank Prequals

tag
Gregory1776
Valued Contributor

US Bank Prequals

75B1A12C-91A1-4D6D-829B-50FEC4EE7852.png3819F31D-BFB8-4576-B2CF-1FFC44ECA343.png

 

WHHHHHYYYYYYY!!😥😥😂😂😂😂😰😰😰

 

this is is the first preapproval I’ve ever gotten! 🧐😱😱😱



Experian [809] TransUnion [823] Equifax [826]

Total Revolving Limits [$224,000]

PenFed Loan: $679/$8,000
Message 1 of 42
41 REPLIES 41
tcbofade
Super Contributor

Re: US Bank Prequals


@Gregory1776wrote:

75B1A12C-91A1-4D6D-829B-50FEC4EE7852.png3819F31D-BFB8-4576-B2CF-1FFC44ECA343.png

 

WHHHHHYYYYYYY!!😥😥😂😂😂😂😰😰😰

 

this is is the first preapproval I’ve ever gotten! 🧐😱😱😱


Don't you believe it...  Smiley Tongue

 

Those are awesome preapprovals, and it's sure nice to see them... but US Bank is not the most reliable with preapprovals. 

 

...just a heads up...  Smiley Happy

Fico 8 01/01/26: EX 788, EQ 802, TU 785.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 2 of 42
Gregory1776
Valued Contributor

Re: Re: US Bank Prequals


@tcbofade

Don't you believe it...  Smiley Tongue

 

Those are awesome preapprovals, and it's sure nice to see them... but US Bank is not the most reliable with preapprovals. 

 

...just a heads up...  Smiley Happy


Couple threads I read said they’re pretty reliable...🤔🤔🤔



Experian [809] TransUnion [823] Equifax [826]

Total Revolving Limits [$224,000]

PenFed Loan: $679/$8,000
Message 3 of 42
tcbofade
Super Contributor

Re: Re: US Bank Prequals


@Gregory1776wrote:

@tcbofade

Don't you believe it...  Smiley Tongue

 

Those are awesome preapprovals, and it's sure nice to see them... but US Bank is not the most reliable with preapprovals. 

 

...just a heads up...  Smiley Happy


Couple threads I read said they’re pretty reliable...🤔🤔🤔


Yep.  I read those too.

 

DW had three preapprovals earlier this month, applied for whichever one had the best BT offer and got denied.  Waste of an inquiry.

 

For US.  YMMV of course. 

Fico 8 01/01/26: EX 788, EQ 802, TU 785.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 4 of 42
kilroy8
Super Contributor

Re: Re: US Bank Prequals


@tcbofadewrote:

@Gregory1776wrote:

@tcbofade

Don't you believe it...  Smiley Tongue

 

Those are awesome preapprovals, and it's sure nice to see them... but US Bank is not the most reliable with preapprovals. 

 

...just a heads up...  Smiley Happy


Couple threads I read said they’re pretty reliable...🤔🤔🤔


Yep.  I read those too.

 

DW had three preapprovals earlier this month, applied for whichever one had the best BT offer and got denied.  Waste of an inquiry.

 

For US.  YMMV of course. 


You would also notice in those threads about the low SL's. Don't give in unless your gardening has achieved your goals. Be strong and weed those string beans.

Message 5 of 42
A1Credit
Established Contributor

Re: Re: US Bank Prequals


@Gregory1776wrote:

75B1A12C-91A1-4D6D-829B-50FEC4EE7852.png3819F31D-BFB8-4576-B2CF-1FFC44ECA343.png

 

WHHHHHYYYYYYY!!😥😥😂😂😂😂😰😰😰

 

this is is the first preapproval I’ve ever gotten! 🧐😱😱😱


Somebody’s about to leave the garden 🤫

***Gardening 3/29/2018 until 9/25/2018***

FICO 8 Scores: EQ~692 l TU~657 l EX~669
Message 6 of 42
Gmood1
Super Contributor

Re: Re: US Bank Prequals

Yup their pre-approval isn't 100%. I was denied last year with a 778 TU FICO 8. 

ezgif-4-765e539984.gif

Message 7 of 42
imaximous
Valued Contributor

Re: Re: US Bank Prequals

So did you go for it?
Message 8 of 42
Anonymous
Not applicable

Re: Re: US Bank Prequals


@Gmood1wrote:

Yup their pre-approval isn't 100%. I was denied last year with a 778 TU FICO 8. 

ezgif-4-765e539984.gif


Perfect gif. 

Message 9 of 42
A1Credit
Established Contributor

Re: Re: US Bank Prequals

Everyone is waiting on @Gregory1776 to come back with the results...I’m definitely curious. With what everyone is saying, I know I definitely won’t get approved.

***Gardening 3/29/2018 until 9/25/2018***

FICO 8 Scores: EQ~692 l TU~657 l EX~669
Message 10 of 42
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.