Can't get preapproved for anything! What gives?

[Nismotony]

Hi everyone, this is my first post here.  I have been working on my fico scores in preperation for a app spree.  I had a CH7 dischared about 5 years ago, and a 30 day (by 1 day) with ALLY now 18 months old.

Current credit cards -  Cap One Plat  2k of 4.5k, Discount Tire/ Synch  1.2k of 2.9k, Kay Jewelers 2k of 7.5k, Dillards 0 of 1k.  Also reporting is a rebuilder First National CC 550 of 1.3k.  This card is actually paid off and closed as of 3 weeks ago, just waiting for it to report in the next few days.  I'm hoping this gives me a boost.

Current Ficos (4/1/15)  TU 690,  EQ 679, EX 681

I have used the prequal links for Cap 1, AMEX and BofA with no luck.  Should I wait to app at this point?  I planed on waiting until the FNCC updates in the next few days, but after that should I continue to wait? 

I love this forum, so much knowledge and experience here. 

Thanks in Advance!

[Anonymous]

Have you opted out at any point in the past? That'll keep you from getting preapprovals.

[Nismotony]

Hmmm.. not sure.

EDIT:  I am going to Opt In right now just in case

[Anonymous]

Did you burn any of those companies in bankruptcy? If so, they might have perma-banned you. You'll have to go over to the rebuilding credit forum to see if you can get back in their good graces. 

[Nismotony]

No just Chase, so I knew better than to consider that one

[Anonymous]

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@Nismotony wrote:

Hi everyone, this is my first post here.  I have been working on my fico scores in preperation for a app spree.  I had a CH7 dischared about 5 years ago, and a 30 day (by 1 day) with ALLY now 18 months old.

Current credit cards -  Cap One Plat  2k of 4.5k, Discount Tire/ Synch  1.2k of 2.9k, Kay Jewelers 2k of 7.5k, Dillards 0 of 1k.  Also reporting is a rebuilder First National CC 550 of 1.3k.  This card is actually paid off and closed as of 3 weeks ago, just waiting for it to report in the next few days.  I'm hoping this gives me a boost.

Current Ficos (4/1/15)  TU 690,  EQ 679, EX 681

I have used the prequal links for Cap 1, AMEX and BofA with no luck.  Should I wait to app at this point?  I planed on waiting until the FNCC updates in the next few days, but after that should I continue to wait? 

I love this forum, so much knowledge and experience here. 

Thanks in Advance!

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I can't get pre-approved for anything either...

If it makes you feel better.

[Anonymous]

I've opted back in twice now for pre-approvals and still nothing works. 

[Pway]

I get no pre approvls either.  All of my apps have been cold apps and I have been approved except for two.

[Nismotony]

This is making me feel better about doing the spree. 

[Anonymous]

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@Anonymous wrote:

I've opted back in twice now for pre-approvals and still nothing works. 

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It'll take time.  The problem with preapprovals is that they do not SP you on the spot, they rely on their latest SP.  Give it a month or so and you should have a data point with some of the banks.