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Any Experience with the Creditcards.com Pre Qualified Site?

tinuviel
Moderator Emeritus

Re: Any Experience with the Creditcards.com Pre Qualified Site?


@texasman07 wrote:

Okay I got the Venture and the First Premier on the same pull as well! HA HA


 

That's the funniest thing that I've heard all day, LOL!!!!! Smiley Very Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 11 of 22
stanggt03
Frequent Contributor

Re: Any Experience with the Creditcards.com Pre Qualified Site?

It's been inaccurate for 3-5 days now. Not sure what's going on. I heard this happened another time. Don't trust anything it's pre qualifying you for. I would venture to guess it'll be fixed in a week or so.


Starting Score: 596 EQ 5-22-11 / 554 TU 5-23-11
Current Score: 615 EQ 08-15-11 / 631 TU 09-27-11
Goal Score: 700+


Take the FICO Fitness Challenge
Message 12 of 22
addicted_to_credit
Established Contributor

Re: Any Experience with the Creditcards.com Pre Qualified Site?

too funny matched me with 3 amex cards 5 cap one cards and a first premier












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Message 13 of 22
UFGuy2006
Established Contributor

Re: Any Experience with the Creditcards.com Pre Qualified Site?

If you have a freeze on all three reports, does this prequalifier still work? I was under the assumption a freeze prevented hard pulls, but soft pulls were alright. Any one else have this experience?

FICO: EX: 754 (5/20); TU: 814 (7/20); EQ 768 (7/20)
Affinity Cash Rewards Visa Signature | Alliant Rewards Visa Signature | Amex Rose Gold | Amex Green | Amex Schwab Platinum | Amex Blue Business | Amex Blue Business Cash | Amex Cash Magnet | Amex Lowes Business | Apple World Mastercard | AOD FCU Cash Visa Signature | BBVA Clearpoints Visa | BBVA Select Visa Signature | Capital One Quicksilver | Chase Amazon Prime Visa Signature | Chase Freedom Flex World Elite Mastercard | Discover IT More Pride | Macys American Express | NFCU Cash Rewards World Mastercard | Penfed Pathfinder Rewards Amex | RBFCU Cash Rewards Platinum Mastercard | SSFCU Power Travel Rewards World Mastercard | USAA Cash Rewards American Express | USAA Limitless Rewards Platinum Visa | US Bank Business Cash Rewards World Elite Mastercard | Venmo Visa Signature
Message 14 of 22
O6
Senior Contributor

Re: Any Experience with the Creditcards.com Pre Qualified Site?


@texasman07 wrote:

Hey guys,

  Just to check.  I did the pre qualify on the credit cards.com website.  It said I was Pre App for the Venture card from Capital one along with 10 other cards.  Anybody have experience with getting approved off this website?


Before you click to submit your data they specifically tell you that there is no guaranty you will be approved for any credit card they match you with.  Even on the list of cards that show up as a "match", it states these are cards you are "more likely" to get approved for.

 

If you have TU frozen it will not work.  I tried with TU frozen and it failed to come up with any matches.  After unfreezing TU it came up with (3) AmEx, (2) Chase, (5) CrapOne and a 1st Premier.  Nothing really exciting.

 

I think it's just a gimmick where they can charge certain participating card issuers more for somewhat-targeted marketing. 

IAALBNYL
Message 15 of 22
clocktick
Valued Contributor

Re: Any Experience with the Creditcards.com Pre Qualified Site?


@tinuviel wrote:
maybe it looks life I've had a credit card with a CL > $5000 for more than three years. This is one of the guidelines that Cap1 uses to define it's "Excellent" credit category.

 


 

I didn't know about this.  This actually helps a lot.  Is this on their site?  Thanks for the info!

 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Message 16 of 22
daylove
Regular Contributor

Re: Any Experience with the Creditcards.com Pre Qualified Site?


@UFGuy2006 wrote:

If you have a freeze on all three reports, does this prequalifier still work? I was under the assumption a freeze prevented hard pulls, but soft pulls were alright. Any one else have this experience?


Under no circumstance I will give them my SS#, this is not a CC company or a bank I do not understand how can anyone give them their info.

Message 17 of 22
treefrogger
New Contributor

Re: Any Experience with the Creditcards.com Pre Qualified Site?

If only these issuers actually pulled TransUnion, then it may be of more value.

Message 18 of 22
rajbansjoshi
Established Member

Re: Any Experience with the Creditcards.com Pre Qualified Site?

creditcard.com had done Softpulls on my TU CR and as far as my experience goes, these are just suggestions that you are more likely to be qualified but the actual approval would depend on more factors and you might see different results if you really apply for the CC.

Raj
Message 19 of 22
john398
Senior Contributor

Re: Any Experience with the Creditcards.com Pre Qualified Site?

Just tried this and I match on the following cards

 

American Express® Premier Rewards Gold Card 
Capital One® No Hassle CashSM Rewards Credit Card
Chase Freedom® Visa - $50 Bonus Cash Back
Chase Freedom® Visa - $100 Bonus Cash Back
Capital One® Classic Platinum Credit Card 
 Capital One® Platinum Credit Card
The Platinum Card® from American Express
Capital One® Secured MasterCard® 
JourneySM Student Rewards from Capital One® 
First PREMIER® Bank MasterCard® Credit Card

My TU Fico is 666 according to WalMart site as of today

Message 20 of 22
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