what is the typical wait & Score for Pre-Approvals

[Anonymous]

I am wondering ? How long is the wait for Pre-Approvals to start coming in i mean Capital one etc.

I have been current on my cards 5mts always early no late 11 % Util. My scores are below. I would love to have better offers pre-approved Offers.I have some crapy offers like Credit one now .

Starting Scores: EQ/591 TU/592 EX/612 Date:May 15,2015
Current Scores: EQ/610 TU/611 EX/642 Date:June 4,2015
Utilization: 11% Date:June 4,2015

Goal Score Across the Board: 700

[Anonymous]

It took me about 8 months to get my first credit card pre-approval - but Capital One has been sending me an autofinance for months now. I've had my secured card over a year, and my mastercard for about 9 or 10 months

[Anonymous]

Thank you for that info.I will just continue to hash it out lol ........im in for the long haul.

Starting Scores: EQ/591 TU/592 EX/612 Date:May 15,2015
Current Scores: EQ/610 TU/611 EX/642 Date:June 4,2015
Utilization: 11% Date:June 4,2015

Goal Score Across the Board: 700

[Anonymous]

If you have a 642 experian, you can probably get an Amex Platinum/Gold/PRG/Green Charge card approval.

If you get that, then go for the delta gold or the Hilton Honors card, and itll be a single hard pull.

I got my amex platinum at a 641 experian score, and got the delta gold right after

[Anonymous]

rmitche8

Was it a pull from Experian only? 

[Anonymous]

My scores are below.

Starting Scores: EQ/591 TU/592 EX/612 Date:May 15,2015
Current Scores: EQ/610 TU/618 EX/642 Date:June 4,2015
Utilization: 11% Date:June 4,2015

Goal Score Across the Board: 700

[Anonymous]

Yep, single pull from Experian. They didnt look at TU or EQ.

Also, I wasn't getting any prequal offers.

The charge cards have lower underwriting requirements, so make sure if you want a revolver you apply for the charge card first.

[Anonymous]

my reported income was also $102,000

[Anonymous]

That is ironic, my annual income is exactly the same.

[Anonymous]

When did you apply was it this year? Starting Scores: EQ/591 TU/592 EX/612 Date:May 15,2015
Current Scores: EQ/610 TU/618 EX/642 Date:June 4,2015
Utilization: 11% Date:June 4,2015

Goal Score Across the Board: 700