DISCOVER PRE-APPROVAL ONLINE SITE

[anderl]

Just tried the Preapproval Online Site-"Congratulations Anderl,you are Preapproved for the following offer.....applied and got the 5-7day message for further processing ps-Discover PRM'ed me on 1/07/11.

[Anonymous]

Hi,

I just tried the pre-approval site and got the following "Congratulations, you are pre-approved for these offers" and a list of ten Discover More cards with various intro offers and aprs are listed. 

Is this a good sign?  My scores are EQ 689, TU 679, EX (PSECU) 666 with two inquiries on each of the EQ and TU (which one will fall off in July and the other is 6 months old) and three on EX (same scenario, plus PSECU in 12/10). 

EQ and TU have a paid collection of 2008 and EX has two paid collections of 2007 and 2008.  My util is below 27% (hasn't updated the 9% util yet), my AAOA is about 4 on all.

What are my chances of being approved?  Any guesses?

Thanks

[chan85]

I would personally hold off. I have a card with them and when my credit was perfect, they never increased my $500 line when I asked, and now that I have a few baddies, including a paid collection, they are unwlling to approve me for a CLI and I stupidly app'd for the More. thinking it would be easier to get approved for a new line instead of increasing an existing one (my Cap1 theory as well), and was declined bc of the paid collections and high balances (I had just run up my Zync card to about $1200 and it reported). So if I had any collections, paid or not, I would be hesitant. When I called for a recon, they basically said I have to wait the 7 yrs until they fall off before they will budge on my existing account or a new one....

[crazysxycool]

I just tried the pre-approval app and it said they couldn't pre-approve for anything but I was welcome to apply for any of the cards they listed.  When I clicked on the "Why wasn't I preapprove link", it said because I wasn't in their system.  Do you have to be in their system for them to preapprove you?  I've never heard such thing.

[Anonymous]

Are you opted out? I think they can only prequal you if you are opted in.

[crazysxycool]

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@Anonymous wrote:

Are you opted out? I think they can only prequal you if you are opted in.

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I guess I'd have to say yes since I don't have any of their products.

[Anonymous]

I mean opted out in general for prescreened offers.

https://www.optoutprescreen.com/

You can opt in from this site. Takes about 60 days to update.