Can't get preapproved for anything! What gives?

[Anonymous]

I dont even get preapprovals for anything but five and dime cards.

[Anonymous]

I was preapproved for the Venture before I applied for it, but other than that I have had no real online preapprovals (cardmatch has several offers, but I think it's mostly marketing.) 

I feel your pain though. If you're one of the unlucky ones who never seems to get preapprovals, all you can do is cold app and hope for the best.

[RSCo]

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@Pway wrote:

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

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+1 same here.. No where. 

[wmweeza]

Even with my great scores I am never preapproved (I've also never been declined). I vaguely recall my husband signing us both up to "Opt out" years ago...I assume that's why and suspect maybe that is the case for you

[lg8302ch]

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@wmweeza wrote:

Even with my great scores I am never preapproved (I've also never been declined). I vaguely recall my husband signing us both up to "Opt out" years ago...I assume that's why and suspect maybe that is the case for you

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I am optioned in and still get nothing with most lenders. (excet SCT from Comenity and Synch)  For me it is the address format - different spelling of street name can every once in a while result in an offer   But all my cold apps got approved.

[takeshi74]

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@Nismotony wrote:

I have used the prequal links for Cap 1, AMEX and BofA with no luck.  Should I wait to app at this point? 

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You should learn to assess you own credit and not rely on prequals.  They don't guarantee anything either way.

[Anonymous]

Obv this is a YMMV.  I have tried those sites and never gotten a pre-approval yet have been fortunate with instant approvals for all my apps since 11/2014.

[Momof5]

What's your util?  I had scores like yours and couldn't get any pre-approvals.  I paid down my util to < 30% and finally started getting pre-approvals.

[Anonymous]

@Nismotony: Congrats on your approvals!! Penfed approved you with BK?? That is awesome. My BK is 6 years old but when I applied last year they denied me due to the BK7. Do you have any other relationship with them besides being a member and a credit card?