How Reliable Is CreditCards.com's CC PreScreen Offers?

[RSCo]

Trying to determine success rates for credit card prequalifies from creditcards.com..  Have you been successful in being approved for cards they preselect for you based on your soft pull of your credit report?  Thanks

[Sevenfeet]

Yes. It worked for me and my wife on two separate Amex applications.

[Bsong]

Im also interested in using this site. Is it safe to enter in so much personal info? Address, Income, SS, DOB, etc...? 

[john398]

Just tried it and gave me First Premier (UGH) and capital one(which I already have 3 cards with so would not be approved)

Good luck

[Anonymous]

It is pretty reliable, but keep in mind that it SP's your TU report...even if you get a pre-screened offer for AMEX, they will pull EX. As long as your reports are pretty consistent with each other there should be no problem. If not, then make sure you know the institution you decide to take the offer with pulls TU.

[Bsong]

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@Anonymous wrote:

It is pretty reliable, but keep in mind that it SP's your TU report...even if you get a pre-screened offer for AMEX, they will pull EX. As long as your reports are pretty consistent with each other their should be no problem. If not, then make sure you know the institution you decide to take the offer with pulls TU.

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Thanks for the info. Ill be sure to keep that in mind. 

[Bsong]

BTW. Do you guys know if it takes into consideration inquiries?

[Anonymous]

Just FYI, you get the exact same results even if you don't enter your SS.

[b_seeker]

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@Bsong wrote:

BTW. Do you guys know if it takes into consideration inquiries?

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I don't think it takes into account inqs in relation to how sensitive a particular bank is to them. That would be too hard to determine for a simple blanket pre-screen.

Also keep in mind, it is looking at your TU report (Like already stated), so if it is preapproving for Amex, it really can't account for inqs on your EX anyway.

[justforting]

It worked for me. I applied Amex BCE through it, and creditcards.com has better opening rewards for this card.