@Jeffster1 wrote:
@FireMedic1 wrote:@FireMedic1 You missed the point completely, and I'm not inclined to explain further as my previous post was clear and unequivocal.
I went by this last sentence:
"I'm really considering just closing my accounts with them if there's just no chance ever."
The main topic was pre-selects your seeking online. And you dont get them. Almost like myself getting an assesment by the Patient. The last thing they say is what we were called for in the first place. You want back in and no offers. You wont know until you try is all I said if you want a shot to get back in again. Pre-selects/approvals aren't 100% anyway. Even if you got a pre-approval offer. It doesnt mean you'll get approved. Thats all.
FSR please. Tx.
@Jeffster1 with the things Wells has done to their customers over the years (opening fake accounts, etc.) I would take that mess as a compliment 🤣
@Jeffster1 wrote:
@FinStar wrote:
@Jeffster1 wrote:Not that I'm looking but despite decades of a banking relationship with WF that began with First Interstate when I was a mere kid (WF acquired First Interstate long ago), I can't get any pre-selected credit card offers from them at all. I kept my checking and savings with them (only secondary accounts as I keep my big accounts at BoA) and included a single WF CC in my BK which discharged in January 2021. I paid them 100 percent as all my creditors.
I check the pre-select tool periodically; have updated my income (190K) with them but still nothing. I'm not really willing to waste a HP, though. I'm really considering just closing my accounts with them if there's just no chance ever.
.
Your previously DC'd CH13, regardless of the required/satisfied payment plan, is still going to impact any future applications, let alone any WF pre-selected offers.
If you are technically "not looking" then it should be a non-event. There have been plenty successful WF approvals even with a previous BK on record, but it's profile dependent and it would behoove you to let some time pass. It's unlikely to yield fruit for a few years regardless if CH13 was DC'd and satisfied. It's still considered a negative factor by a variety of lenders. Some are flexible, others aren't.
@FinStar Last time I checked, we all assess a wide range of factors in determining whether to stay with a financial institution, especially one with which we have had decades of history. I don't have to be "looking" in order to come to a conclusion as to whether a bank wishes to do business with me. I am well aware that it is up to WF to determine whether or not they wish to extend me credit, and it is up to me to stay with them or leave. I would have no way of knowing whether or not I would be approved without actually applying. For me, my specific issue with WF is the lack of pre-selected offers. You deem my observation as a "non-event." I see many similar posts throughout this forum. Or is it that I alone am not permitted to share my experience without being told my question or observation doesn't matter?
The only reason Finstar deemed your lack of preapprovals a "non-event" is because YOU specifically said "Not that I'm looking" in your opening statement. If you "aren't looking," then inherently, that means it shouldn't matter too much, but it obviously does to you. So you're kind of contradicting yourself.
Nobody is saying you can't relay your thoughts/opinions/experiences.
A lot of the responses here are just saying that the likely reason you aren't getting pre-approvals is because of your recently discharged BK, regardless of the fact that you paid them back. Also it's clear they don't really take into account your longevity with them. This is a public forum, and youll get a variety of responses, and you may not always like all of them, but nobody is putting you down or anything. No need to get offensive. FSR please.
