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I have to disgree, to a certain degree anyway. Preapprovals aren't exactly meaningless. All else equal, a preapproval is more likely to be approved than an "invitation to appy," which in turn is more likely to be approved than a cold app.
Vic wrote:"Pre-approved" is a sweet, deceptive little term- sort of makes you feel welcome. The prefix "Pre" means "before". Therefore, in reality, "Pre-Approved" is essentially defined as "not yet approved". It means the same thing as if you are still breathing- you are "Pre-Dead". Utterly meaningless."Bitter Party- your table is ready"!- Vic
cheddar wrote:I have to disgree, to a certain degree anyway. Preapprovals aren't exactly meaningless. All else equal, a preapproval is more likely to be approved than an "invitation to appy," which in turn is more likely to be approved than a cold app.
Vic wrote:"Pre-approved" is a sweet, deceptive little term- sort of makes you feel welcome. The prefix "Pre" means "before". Therefore, in reality, "Pre-Approved" is essentially defined as "not yet approved". It means the same thing as if you are still breathing- you are "Pre-Dead". Utterly meaningless."Bitter Party- your table is ready"!- VicI can think of at least a couple of cases I have read where someone applied through a preapproval, only to get a much smaller CL than they expected, and when they tried recon they were told something along the lines of, "Well, we weren't going to appove you at all except we see you applied through a preapproved offer."The problem with preapprovals is not that they're meaningless, it's that the term itself is misleading. People tend to think, "Hey, I'm approved before I even apply," which is simply not the case.
Message Edited by cheddar on 02-17-2008 10:02 AM
@Anonymous wrote:
Web site question- where the H3LL did the winking "smiley face" icon come from in my last posting?!! I DIDN'T PUT IT THERE!!---Vic
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