@Alucard wrote:
I know discover, cap one, amex, Gemini, and X1 have pre-approval but are there anymore that you recommend? Google can be iffy sometimes when it comes to Pre-approvals at the credit union level so im hoping you can share your recommendations.
also, I noticed a lot of NFCU approvals recently. Do you have to be in the service or directly related to someone to become a member? I know some CUs have secondary avenues to meet the qualifications (like joining a partner organizations or things of that nature).
Aside from the known FinTechs, there's already an active topic in the General Credit section of the forums on some of the others:
https://ficoforums.myfico.com/t5/General-Credit-Topics/Soft-Pull-Pre-Qualify-Links-Part-2-Updated-2-...
Also, what recommendations are you looking for since the topic wasn't specific about what you're looking for in a 'pre-approved' offer. The few recent threads you've posted indicated a Citi Simplicity denial, frustrations for not getting Capital One CLIs, two $3,500 back-to-back PenFed approvals...and the X1 CLD 🤷♂️
For NFCU, the pre-approved portal isn't reliable or solid. To become a member you can check the NFCU website for eligibility or the Personal Finance board for DPs on how to join.
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