I'm here in the garden raking and growing tomatoes and cukes and will be all Summer. But I just noticed on the BlockFi Pre-Approval page in the preapproval Credit disclaimer that must be checked acknowledging it. That it clearly ask/states that Deserve will pull your credit files thus sounding and reading like all typical HP notices. I don't remember that being there in the past on preapprovals, but I may be wrong and it was. So question is is the BlockFi preapproval still a SP prior to acceptance (I know it's a HP afterwards) or is it now a HP?
@FinStar wrote:
@FicoGuy2019 wrote:Preapproval is a SP and it tells your your limit, if you accept, it's a HP on EX.
Though, there have been cases of folks reporting an HP with the pre-approved offer before accepting. There's a few threads on that. Likely a glitch, but definitely a possibility.
My offer (in late 2021) was SP before accepting. Then, HP on EX.
That's what I'm referring really I guess. I preapp'ed back first of 2022 and was approved with a SP but didn't accept offer (don't remember why now). Now even though I'm gardening because I was bored the other day I pulled up the Preapproval again and it had ask for my full SSN (again I don't remember if it did on earlier app) and had this full disclosure after the SSN the Box to check saying I Agreeded. Hence, my question. Do you remember @FinStar if this was the same screen/verbage for your earlier SP?
Social Security Number
I understand that by applying for a BlockFi Rewards Credit Card and clicking this box, I am providing "written instructions" to Deserve under the Fair Credit Reporting Act (FCRA) authorizing Deserve to obtain information from my personal credit profile or other information from one or more consumer reporting agencies.
I authorize Deserve to verify information in my credit application, and I agree that Deserve may contact third parties to verify any such information. Deserve may use my consumer report(s) to authenticate my identity, to make credit decisions, and for any related purposes. I authorize Deserve to obtain consumer reports at various times in connection with credit line reviews and adjustments (increases or decreases) and the servicing, monitoring, or collection of this credit card.
I further acknowledge that Deserve may report credit data on my Deserve card to credit reporting agencies. Deserve agrees that any information furnished will be accurate.
[ ] I have read and accept these terms.
@FinStar wrote:
@bigseegar wrote:
@FinStar wrote:
@FicoGuy2019 wrote:Preapproval is a SP and it tells your your limit, if you accept, it's a HP on EX.
Though, there have been cases of folks reporting an HP with the pre-approved offer before accepting. There's a few threads on that. Likely a glitch, but definitely a possibility.
My offer (in late 2021) was SP before accepting. Then, HP on EX.
That's what I'm referring really I guess. I preapp'ed back first of 2022 and was approved with a SP but didn't accept offer (don't remember why now). Now even though I'm gardening because I was bored the other day I pulled up the Preapproval again and it had ask for my full SSN (again I don't remember if it did on earlier app) and had this full disclosure after the SSN the Box to check saying I Agreeded. Hence, my question. Do you remember @FinStar if this was the same screen/verbage for your earlier SP?
Social Security NumberI understand that by applying for a BlockFi Rewards Credit Card and clicking this box, I am providing "written instructions" to Deserve under the Fair Credit Reporting Act (FCRA) authorizing Deserve to obtain information from my personal credit profile or other information from one or more consumer reporting agencies.
I authorize Deserve to verify information in my credit application, and I agree that Deserve may contact third parties to verify any such information. Deserve may use my consumer report(s) to authenticate my identity, to make credit decisions, and for any related purposes. I authorize Deserve to obtain consumer reports at various times in connection with credit line reviews and adjustments (increases or decreases) and the servicing, monitoring, or collection of this credit card.
I further acknowledge that Deserve may report credit data on my Deserve card to credit reporting agencies. Deserve agrees that any information furnished will be accurate.
[ ] I have read and accept these terms.I honestly don't recall whether the full SS# was asked or just the last 4. It's possible they revised the application process since October of last year when I applied.
If you're in the garden and don't want to risk an accidental HP, then don't follow through. I would assume it could still be SP if you tick the box and click submit without doing anything else, but then again you're the one with the itch 😂
Wise words O Wise One and I will adhere to them 