Could this be?!

[alexak]

After about 18 months of rebuilding and yearning for prime land, I finally got a "pre-screened" letter from Chase saying I'm invited to apply got for the Freedom. Could this actually be a legit offer? My credit isn't that great yet, last alert stated 647 EQ Fico and 659 Ex fako. My current util is at about 25% which will be paiby down by the end of the month. Profile summary in My signature. Could I actually be approved with them?!

thanks!

[E150GT]

maybe but i wouldnt expect a good limit. I got a pre screened offer from wells fargo and was denied. 

[myjourney]

if it has the opt out notice on it that's a good sign

[alexak]

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@myjourney wrote:

if it has the opt out notice on it that's a good sign

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At the bottom of the page is says You can choose to stop receiving "prescreened" offers blah blah blah. is that what you mean?

[webhopper]

I've seen approvals on here recently for a 3500 credit line from a forum member who had a 640 creditkarma score... this is not really a good reliable indication of whether you will be approved.  Honestly though, I think its a good sign, and Chase is very recon friendly.  I would go for it if you had less than 3 inquiries or less on your TU, EQ, and EX reports in the last 1 year.

[alexak]

Ok. I have 6 in the last year, 3 in the last 6 months. Any idea which CRA they pull in California?

[myjourney]

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@alexak wrote:

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@myjourney wrote:

if it has the opt out notice on it that's a good sign

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At the bottom of the page is says You can choose to stop receiving "prescreened" offers blah blah blah. is that what you mean?

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Thats it

[myjourney]

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@alexak wrote:

Ok. I have 6 in the last year, 3 in the last 6 months. Any idea which CRA they pull in California?

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Looks like they pull ex

[webhopper]

My advice, garden for 3 to 6 months for best results...

Chase is inquiry sensative

[alexak]

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@webhopper wrote:

My advice, garden for 3 to 6 months for best results...

Chase is inquiry sensative

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Ok. It says I have until April 1st to reply. So I'll apply march 31! That will put me at 5 months inq free.