What does it REALLY mean?

devineer1 · ‎02-05-2015

... when you get pre approved offers or an invitation to apply.. I get those often from these Rapid/Total Rewards companies. I know my credit is no where near it needs to be... I just want to know what it means.

Here is my wallet for your info...

WF Sec $500

Cap One Sec $ 200 (considering an iinital deposit of 400-800)

First Prem $300

Discover It Sec ($1000 deposit in progrss)

Finger Hut $600

I am but a work in progress, taking one day at a time, learning to be more patient. In the Garden as of 12/01/15

Equifax 569
Trans Union 607
Experian 588

Goal to be at or over 650

ojefferyo · ‎02-05-2015

what's your score and what baddies do you have?

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa

devineer1 · ‎02-05-2015

Just took a big hit with the pay off of a vehicle -26 points but here they are...

EQ 548

TU 583

EX 565

I am but a work in progress, taking one day at a time, learning to be more patient. In the Garden as of 12/01/15

Equifax 569
Trans Union 607
Experian 588

Goal to be at or over 650

devineer1 · ‎02-05-2015

Oh. and I have about 10 baddies that are in progress sorry report not in front of me, they are collections. Then there are 2 judements that are my headache.

I am but a work in progress, taking one day at a time, learning to be more patient. In the Garden as of 12/01/15

Equifax 569
Trans Union 607
Experian 588

Goal to be at or over 650

ojefferyo · ‎02-05-2015

Sorry to hear about the troubles, those are simply "flyer" type mail that are probably mailed out by the box full.

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa